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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 | $171,330 | $88,996+92.5% | $78,004+119.6% | $138,895+23.4% |
| Participation rate | 29.4% | 74.4%-44.9pp | 69.4%-40.0pp | 79.9%-50.5pp |
| Annual return | 19.21% | 28.03%-8.8pp | 31.07%-11.9pp | 145.39%-126.2pp |
| Employer contribution / active EE | $1,033 | $2,917-64.6% | $2,469-58.2% | $4,194-75.4% |
| Participant deferral / active EE | $4,384 | $4,724-7.2% | $4,092+7.2% | $6,396-31.5% |
| Admin fee / account holder | $12,379 | $8,807+40.6% | $7,578+63.4% | $12,562-1.5% |