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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 | $93,683 | $81,262+15.3% | $155,602-39.8% | $80,911+15.8% |
| Participation rate | 36.5% | 66.2%-29.8pp | 78.2%-41.7pp | 67.6%-31.2pp |
| Annual return | 15.33% | 33.34%-18.0pp | 64.81%-49.5pp | 35.63%-20.3pp |
| Employer contribution / active EE | $474 | $3,102-84.7% | $4,675-89.9% | $2,756-82.8% |
| Participant deferral / active EE | $1,766 | $3,451-48.8% | $5,629-68.6% | $4,297-58.9% |
| Admin fee / account holder | $1,257 | $7,992-84.3% | $15,923-92.1% | $6,935-81.9% |