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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 | $207,960 | $69,590+198.8% | $136,867+51.9% | $94,015+121.2% |
| Participation rate | 16.3% | 66.3%-50.0pp | 74.5%-58.2pp | 70.8%-54.5pp |
| Annual return | 14.72% | 19.62%-4.9pp | 42.97%-28.3pp | 17.84%-3.1pp |
| Employer contribution / active EE | $611 | $2,396-74.5% | $3,547-82.8% | $2,790-78.1% |
| Participant deferral / active EE | $1,858 | $3,437-45.9% | $4,924-62.3% | $4,249-56.3% |
| Admin fee / account holder | $1,672 | $8,912-81.2% | $10,340-83.8% | $8,951-81.3% |