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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 | $89,242 | $211,105-57.7% | $178,449-50.0% | $145,978-38.9% |
| Participation rate | 52.6% | 80.8%-28.2pp | 77.1%-24.5pp | 80.3%-27.7pp |
| Annual return | 26.39% | 30.19%-3.8pp | 27.09%-0.7pp | 550.52%-524.1pp |
| Employer contribution / active EE | $694 | $4,569-84.8% | $3,951-82.4% | $4,662-85.1% |
| Participant deferral / active EE | $1,704 | $6,959-75.5% | $6,277-72.8% | $6,690-74.5% |
| Admin fee / account holder | $5,139 | $12,017-57.2% | $10,362-50.4% | $13,400-61.7% |