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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 | $128,753 | $78,682+63.6% | $109,188+17.9% | $85,851+50.0% |
| Participation rate | 39.3% | 68.3%-29.0pp | 75.9%-36.6pp | 69.3%-30.0pp |
| Annual return | 14.07% | 25.09%-11.0pp | 25.76%-11.7pp | 318.63%-304.6pp |
| Employer contribution / active EE | $1,072 | $2,734-60.8% | $3,723-71.2% | $2,565-58.2% |
| Participant deferral / active EE | $2,952 | $3,468-14.9% | $4,654-36.6% | $3,952-25.3% |
| Admin fee / account holder | $3,039 | $5,470-44.4% | $6,755-55.0% | $6,261-51.5% |