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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 | $171,267 | $104,650+63.7% | $83,854+104.2% | $155,188+10.4% |
| Participation rate | 47.4% | 65.1%-17.7pp | 59.1%-11.7pp | 80.8%-33.4pp |
| Annual return | 16.70% | 28.97%-12.3pp | 31.39%-14.7pp | 148.84%-132.1pp |
| Employer contribution / active EE | $731 | $1,196-38.9% | $1,017-28.1% | $4,248-82.8% |
| Participant deferral / active EE | $2,301 | $2,367-2.8% | $2,035+13.1% | $6,531-64.8% |
| Admin fee / account holder | $1,371 | $3,518-61.0% | $3,197-57.1% | $14,480-90.5% |