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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 | $126,484 | $56,110+125.4% | $94,993+33.2% | $70,126+80.4% |
| Participation rate | 21.2% | 65.0%-43.8pp | 73.9%-52.7pp | 69.5%-48.4pp |
| Annual return | 15.55% | 51.02%-35.5pp | 27.14%-11.6pp | 73.15%-57.6pp |
| Employer contribution / active EE | $344 | $1,442-76.2% | $2,603-86.8% | $2,343-85.3% |
| Participant deferral / active EE | $1,098 | $2,391-54.1% | $3,317-66.9% | $3,332-67.1% |
| Admin fee / account holder | $941 | $3,456-72.8% | $4,960-81.0% | $4,645-79.7% |