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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 | $191,335 | $108,882+75.7% | $96,754+97.8% | $154,746+23.6% |
| Participation rate | 18.8% | 75.1%-56.3pp | 70.3%-51.5pp | 80.7%-62.0pp |
| Annual return | 20.48% | 98.39%-77.9pp | 82.04%-61.6pp | 172.34%-151.9pp |
| Employer contribution / active EE | $686 | $3,018-77.3% | $2,679-74.4% | $4,379-84.3% |
| Participant deferral / active EE | $4,062 | $5,323-23.7% | $4,758-14.6% | $6,730-39.6% |
| Admin fee / account holder | $5,172 | $10,200-49.3% | $8,905-41.9% | $14,365-64.0% |