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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 | $141,757 | $99,053+43.1% | $88,179+60.8% | $138,895+2.1% |
| Participation rate | 44.4% | 74.2%-29.8pp | 69.1%-24.7pp | 79.9%-35.5pp |
| Annual return | 13.96% | 78.17%-64.2pp | 64.97%-51.0pp | 145.39%-131.4pp |
| Employer contribution / active EE | $687 | $2,882-76.2% | $2,549-73.1% | $4,194-83.6% |
| Participant deferral / active EE | $2,695 | $5,225-48.4% | $4,614-41.6% | $6,396-57.9% |
| Admin fee / account holder | $491 | $8,748-94.4% | $7,673-93.6% | $12,562-96.1% |