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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 | $79,894+205.1% | $135,792+79.5% | $82,637+195.0% |
| Participation rate | 40.0% | 63.0%-23.0pp | 72.6%-32.6pp | 68.1%-28.1pp |
| Annual return | 17.24% | 17.20%0pp | 25.96%-8.7pp | 53.51%-36.3pp |
| Employer contribution / active EE | $977 | $2,165-54.9% | $3,496-72.1% | $2,552-61.7% |
| Participant deferral / active EE | $3,256 | $3,194+1.9% | $4,759-31.6% | $4,126-21.1% |
| Admin fee / account holder | $648 | $6,434-89.9% | $12,266-94.7% | $7,339-91.2% |