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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 | $106,300 | $73,978+43.7% | $96,515+10.1% | $75,173+41.4% |
| Participation rate | 38.1% | 66.4%-28.3pp | 74.3%-36.3pp | 67.2%-29.1pp |
| Annual return | 14.11% | 26.72%-12.6pp | 35.73%-21.6pp | 160.72%-146.6pp |
| Employer contribution / active EE | $790 | $2,931-73.1% | $3,740-78.9% | $2,671-70.4% |
| Participant deferral / active EE | $1,629 | $3,660-55.5% | $4,880-66.6% | $4,126-60.5% |
| Admin fee / account holder | $1,023 | $5,219-80.4% | $6,735-84.8% | $5,651-81.9% |