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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 | $120,391 | $88,672+35.8% | $105,223+14.4% | $82,448+46.0% |
| Participation rate | 37.5% | 67.9%-30.4pp | 75.0%-37.5pp | 68.1%-30.6pp |
| Annual return | 16.04% | 30.86%-14.8pp | 180.65%-164.6pp | 41.64%-25.6pp |
| Employer contribution / active EE | $900 | $3,048-70.5% | $3,689-75.6% | $2,551-64.7% |
| Participant deferral / active EE | $2,004 | $4,036-50.4% | $5,072-60.5% | $4,139-51.6% |
| Admin fee / account holder | $5,028 | $7,146-29.6% | $8,859-43.2% | $7,234-30.5% |