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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 | $129,018 | $106,280+21.4% | $96,538+33.6% | $139,487-7.5% |
| Participation rate | 31.3% | 77.8%-46.6pp | 74.3%-43.1pp | 80.3%-49.1pp |
| Annual return | 14.34% | 38.48%-24.1pp | 35.74%-21.4pp | 373.84%-359.5pp |
| Employer contribution / active EE | $882 | $4,107-78.5% | $3,740-76.4% | $4,755-81.5% |
| Participant deferral / active EE | $3,726 | $5,457-31.7% | $4,880-23.6% | $6,713-44.5% |
| Admin fee / account holder | $3,745 | $7,888-52.5% | $6,737-44.4% | $11,407-67.2% |