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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 | $175,267 | $115,225+52.1% | $100,712+74.0% | $138,895+26.2% |
| Participation rate | 36.4% | 74.3%-38.0pp | 69.3%-32.9pp | 79.9%-43.6pp |
| Annual return | 16.13% | 40.35%-24.2pp | 33.27%-17.1pp | 145.39%-129.3pp |
| Employer contribution / active EE | $950 | $2,771-65.7% | $2,313-58.9% | $4,194-77.3% |
| Participant deferral / active EE | $3,300 | $4,699-29.8% | $4,085-19.2% | $6,396-48.4% |
| Admin fee / account holder | $2,241 | $10,844-79.3% | $9,256-75.8% | $12,562-82.2% |