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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 | $122,164 | $58,851+107.6% | $115,170+6.1% | $72,983+67.4% |
| Participation rate | 29.0% | 65.5%-36.5pp | 75.9%-46.9pp | 69.5%-40.5pp |
| Annual return | 22.06% | 23.16%-1.1pp | 35.60%-13.5pp | 81.01%-58.9pp |
| Employer contribution / active EE | $745 | $1,798-58.6% | $3,179-76.6% | $2,440-69.5% |
| Participant deferral / active EE | $1,320 | $2,643-50.0% | $4,169-68.3% | $3,608-63.4% |
| Admin fee / account holder | $5,401 | $6,370-15.2% | $7,089-23.8% | $5,124+5.4% |