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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 | $108,882+47.1% | $96,754+65.5% | $154,746+3.5% |
| Participation rate | 25.0% | 75.1%-50.1pp | 70.3%-45.3pp | 80.7%-55.7pp |
| Annual return | 16.66% | 98.39%-81.7pp | 82.04%-65.4pp | 172.34%-155.7pp |
| Employer contribution / active EE | $632 | $3,018-79.1% | $2,679-76.4% | $4,379-85.6% |
| Participant deferral / active EE | $3,099 | $5,323-41.8% | $4,758-34.9% | $6,730-53.9% |
| Admin fee / account holder | $2,190 | $10,200-78.5% | $8,905-75.4% | $14,365-84.8% |