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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 | $189,702 | $81,664+132.3% | $70,476+169.2% | $158,966+19.3% |
| Participation rate | 46.2% | 77.7%-31.6pp | 75.1%-28.9pp | 82.0%-35.8pp |
| Annual return | 13.75% | 208.59%-194.8pp | 109.12%-95.4pp | 302.95%-289.2pp |
| Employer contribution / active EE | $705 | $3,219-78.1% | $2,738-74.3% | $4,762-85.2% |
| Participant deferral / active EE | $3,942 | $4,556-13.5% | $3,710+6.2% | $5,983-34.1% |
| Admin fee / account holder | $1,234 | $6,197-80.1% | $3,847-67.9% | $11,250-89.0% |