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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 | $160,120 | $97,125+64.9% | $86,233+85.7% | $137,256+16.7% |
| Participation rate | 25.0% | 74.2%-49.2pp | 69.0%-44.0pp | 80.0%-55.0pp |
| Annual return | 16.66% | 74.19%-57.5pp | 61.39%-44.7pp | 220.34%-203.7pp |
| Employer contribution / active EE | $632 | $2,841-77.7% | $2,504-74.8% | $4,156-84.8% |
| Participant deferral / active EE | $3,099 | $5,180-40.2% | $4,559-32.0% | $6,407-51.6% |
| Admin fee / account holder | $2,190 | $9,725-77.5% | $8,342-73.8% | $12,270-82.2% |