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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $116,529 | $65,364+78.3% | $92,909+25.4% | $72,975+59.7% |
| Participation rate | 47.2% | 68.3%-21.1pp | 76.0%-28.8pp | 69.5%-22.3pp |
| Annual return | 18.10% | 42.11%-24.0pp | 109.44%-91.3pp | 81.01%-62.9pp |
| Employer contribution / active EE | $1,186 | $2,594-54.3% | $3,653-67.5% | $2,440-51.4% |
| Participant deferral / active EE | $4,665 | $3,128+49.1% | $4,238+10.1% | $3,608+29.3% |
| Admin fee / account holder | $15,921 | $4,251+274.5% | $5,795+174.7% | $5,124+210.7% |