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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 | $167,696 | $70,418+138.1% | $96,570+73.7% | $85,847+95.3% |
| Participation rate | 38.5% | 61.8%-23.3pp | 69.8%-31.4pp | 69.3%-30.9pp |
| Annual return | 22.42% | 18.59%+3.8pp | 37.79%-15.4pp | 318.61%-296.2pp |
| Employer contribution / active EE | $484 | $1,413-65.7% | $2,357-79.5% | $2,565-81.1% |
| Participant deferral / active EE | $2,175 | $2,894-24.8% | $3,849-43.5% | $3,952-45.0% |
| Admin fee / account holder | $1,440 | $4,995-71.2% | $6,182-76.7% | $6,261-77.0% |