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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 | $93,477 | $51,638+81.0% | $68,368+36.7% | $82,448+13.4% |
| Participation rate | 28.4% | 63.6%-35.3pp | 73.8%-45.4pp | 68.1%-39.7pp |
| Annual return | 22.06% | 37.53%-15.5pp | 292.57%-270.5pp | 41.64%-19.6pp |
| Employer contribution / active EE | $927 | $2,047-54.7% | $2,649-65.0% | $2,551-63.6% |
| Participant deferral / active EE | $2,408 | $2,914-17.3% | $4,123-41.6% | $4,139-41.8% |
| Admin fee / account holder | $918 | $4,643-80.2% | $5,150-82.2% | $7,234-87.3% |