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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 | $96,363 | $54,757+76.0% | $90,300+6.7% | $72,983+32.0% |
| Participation rate | 29.5% | 65.1%-35.6pp | 73.3%-43.7pp | 69.5%-39.9pp |
| Annual return | 23.52% | 30.63%-7.1pp | 78.11%-54.6pp | 81.01%-57.5pp |
| Employer contribution / active EE | $625 | $2,092-70.2% | $2,854-78.1% | $2,440-74.4% |
| Participant deferral / active EE | $2,006 | $2,887-30.5% | $3,884-48.4% | $3,608-44.4% |
| Admin fee / account holder | $652 | $3,972-83.6% | $5,353-87.8% | $5,124-87.3% |