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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 | $158,902 | $106,247+49.6% | $96,515+64.6% | $139,466+13.9% |
| Participation rate | 55.0% | 77.8%-22.8pp | 74.3%-19.3pp | 80.3%-25.3pp |
| Annual return | 15.52% | 38.47%-22.9pp | 35.73%-20.2pp | 373.66%-358.1pp |
| Employer contribution / active EE | $2,739 | $4,106-33.3% | $3,740-26.8% | $4,754-42.4% |
| Participant deferral / active EE | $4,921 | $5,456-9.8% | $4,880+0.8% | $6,712-26.7% |
| Admin fee / account holder | $2,648 | $7,885-66.4% | $6,735-60.7% | $11,409-76.8% |