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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 | $92,897 | $73,988+25.6% | $96,538-3.8% | $75,177+23.6% |
| Participation rate | 20.6% | 66.4%-45.8pp | 74.3%-53.8pp | 67.2%-46.6pp |
| Annual return | 21.11% | 26.73%-5.6pp | 35.74%-14.6pp | 160.75%-139.6pp |
| Employer contribution / active EE | $948 | $2,930-67.7% | $3,740-74.7% | $2,671-64.5% |
| Participant deferral / active EE | $1,744 | $3,660-52.4% | $4,880-64.3% | $4,126-57.7% |
| Admin fee / account holder | $2,729 | $5,220-47.7% | $6,737-59.5% | $5,651-51.7% |