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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 | $144,676 | $58,311+148.1% | $81,882+76.7% | $80,959+78.7% |
| Participation rate | 55.6% | 63.5%-7.9pp | 72.4%-16.8pp | 67.7%-12.1pp |
| Annual return | 18.90% | 41.85%-22.9pp | 779.47%-760.6pp | 35.67%-16.8pp |
| Employer contribution / active EE | $447 | $2,347-81.0% | $2,916-84.7% | $2,757-83.8% |
| Participant deferral / active EE | $4,190 | $3,287+27.5% | $4,323-3.1% | $4,300-2.6% |
| Admin fee / account holder | $19,003 | $4,752+299.9% | $7,360+158.2% | $6,925+174.4% |