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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 | $246,213 | $100,262+145.6% | $81,370+202.6% | $145,897+68.8% |
| Participation rate | 53.8% | 74.3%-20.4pp | 69.5%-15.7pp | 80.3%-26.5pp |
| Annual return | 14.45% | 34.52%-20.1pp | 24.85%-10.4pp | 552.29%-537.8pp |
| Employer contribution / active EE | $825 | $2,979-72.3% | $2,464-66.5% | $4,663-82.3% |
| Participant deferral / active EE | $6,569 | $4,612+42.4% | $3,885+69.1% | $6,689-1.8% |
| Admin fee / account holder | $1,218 | $8,163-85.1% | $5,749-78.8% | $13,390-90.9% |