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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 | $180,843 | $106,247+70.2% | $96,515+87.4% | $139,466+29.7% |
| Participation rate | 58.8% | 77.8%-19.0pp | 74.3%-15.5pp | 80.3%-21.5pp |
| Annual return | 14.73% | 38.47%-23.7pp | 35.73%-21.0pp | 373.66%-358.9pp |
| Employer contribution / active EE | $1,742 | $4,106-57.6% | $3,740-53.4% | $4,754-63.4% |
| Participant deferral / active EE | $5,080 | $5,456-6.9% | $4,880+4.1% | $6,712-24.3% |
| Admin fee / account holder | $2,955 | $7,885-62.5% | $6,735-56.1% | $11,409-74.1% |