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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 | $110,128 | $73,787+49.3% | $98,716+11.6% | $82,448+33.6% |
| Participation rate | 11.1% | 61.4%-50.3pp | 69.3%-58.2pp | 68.1%-57.0pp |
| Annual return | 16.57% | 18.57%-2.0pp | 31.81%-15.2pp | 41.64%-25.1pp |
| Employer contribution / active EE | $466 | $1,511-69.2% | $2,279-79.6% | $2,551-81.7% |
| Participant deferral / active EE | $1,504 | $3,081-51.2% | $4,048-62.8% | $4,139-63.7% |
| Admin fee / account holder | $1,265 | $6,500-80.5% | $8,703-85.5% | $7,234-82.5% |