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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 | $206,023 | $78,670+161.9% | $109,173+88.7% | $85,847+140.0% |
| Participation rate | 19.4% | 68.3%-48.9pp | 75.9%-56.5pp | 69.3%-49.9pp |
| Annual return | 15.29% | 25.09%-9.8pp | 25.75%-10.5pp | 318.61%-303.3pp |
| Employer contribution / active EE | $891 | $2,734-67.4% | $3,723-76.1% | $2,565-65.3% |
| Participant deferral / active EE | $2,285 | $3,467-34.1% | $4,654-50.9% | $3,952-42.2% |
| Admin fee / account holder | $1,247 | $5,469-77.2% | $6,755-81.5% | $6,261-80.1% |