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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 | $113,541 | $63,861+77.8% | $104,639+8.5% | $79,856+42.2% |
| Participation rate | 30.6% | 64.9%-34.4pp | 74.1%-43.5pp | 69.6%-39.1pp |
| Annual return | 15.03% | 21.30%-6.3pp | 340.67%-325.6pp | 31.71%-16.7pp |
| Employer contribution / active EE | $604 | $1,588-62.0% | $2,682-77.5% | $2,471-75.6% |
| Participant deferral / active EE | $1,217 | $2,693-54.8% | $3,738-67.4% | $3,741-67.5% |
| Admin fee / account holder | $2,457 | $4,185-41.3% | $6,465-62.0% | $5,306-53.7% |