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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 | $132,373 | $54,541+142.7% | $78,778+68.0% | $70,126+88.8% |
| Participation rate | 32.5% | 60.8%-28.3pp | 69.2%-36.7pp | 69.5%-37.1pp |
| Annual return | 19.05% | 21.07%-2.0pp | 35.62%-16.6pp | 73.15%-54.1pp |
| Employer contribution / active EE | $802 | $1,089-26.3% | $1,986-59.6% | $2,343-65.8% |
| Participant deferral / active EE | $2,786 | $2,210+26.1% | $2,958-5.8% | $3,332-16.4% |
| Admin fee / account holder | $3,112 | $3,709-16.1% | $5,134-39.4% | $4,645-33.0% |