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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 | $174,071 | $110,410+57.7% | $102,437+69.9% | $145,897+19.3% |
| Participation rate | 45.5% | 77.9%-32.5pp | 74.5%-29.1pp | 80.3%-34.9pp |
| Annual return | 11.04% | 24.85%-13.8pp | 24.95%-13.9pp | 552.29%-541.3pp |
| Employer contribution / active EE | $1,293 | $4,217-69.4% | $3,871-66.6% | $4,663-72.3% |
| Participant deferral / active EE | $5,730 | $5,622+1.9% | $5,060+13.2% | $6,689-14.3% |
| Admin fee / account holder | $707 | $9,745-92.7% | $8,388-91.6% | $13,390-94.7% |