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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 | $232,877 | $124,980+86.3% | $108,359+114.9% | $154,746+50.5% |
| Participation rate | 33.3% | 75.2%-41.8pp | 70.1%-36.8pp | 80.7%-47.4pp |
| Annual return | 11.99% | 45.00%-33.0pp | 36.89%-24.9pp | 172.34%-160.3pp |
| Employer contribution / active EE | $877 | $2,851-69.2% | $2,399-63.5% | $4,379-80.0% |
| Participant deferral / active EE | $1,867 | $4,743-60.6% | $4,137-54.9% | $6,730-72.3% |
| Admin fee / account holder | $2,390 | $11,502-79.2% | $9,741-75.5% | $14,365-83.4% |