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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 | $112,890 | $35,183+220.9% | $73,550+53.5% | $70,126+61.0% |
| Participation rate | 32.0% | 42.9%-10.9pp | 54.9%-22.9pp | 69.5%-37.5pp |
| Annual return | 14.41% | 26.90%-12.5pp | -15.16%+29.6pp | 73.15%-58.7pp |
| Employer contribution / active EE | $868 | $709+22.5% | $1,219-28.8% | $2,343-62.9% |
| Participant deferral / active EE | $2,350 | $1,220+92.6% | $1,804+30.2% | $3,332-29.5% |
| Admin fee / account holder | $382 | $2,302-83.4% | $2,320-83.5% | $4,645-91.8% |