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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 | $243,764 | $77,896+212.9% | $134,172+81.7% | $82,448+195.7% |
| Participation rate | 40.0% | 62.8%-22.8pp | 72.5%-32.5pp | 68.1%-28.1pp |
| Annual return | 17.24% | 18.21%-1.0pp | 25.30%-8.1pp | 41.64%-24.4pp |
| Employer contribution / active EE | $977 | $2,159-54.8% | $3,420-71.4% | $2,551-61.7% |
| Participant deferral / active EE | $3,256 | $3,162+3.0% | $4,690-30.6% | $4,139-21.4% |
| Admin fee / account holder | $648 | $6,336-89.8% | $12,016-94.6% | $7,234-91.0% |