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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 | $143,423 | $63,703+125.1% | $93,063+54.1% | $82,448+74.0% |
| Participation rate | 29.6% | 63.8%-34.2pp | 72.1%-42.5pp | 68.1%-38.4pp |
| Annual return | 13.26% | -775.43%+788.7pp | 34.15%-20.9pp | 41.64%-28.4pp |
| Employer contribution / active EE | $680 | $1,729-60.7% | $2,476-72.5% | $2,551-73.3% |
| Participant deferral / active EE | $1,200 | $2,919-58.9% | $3,958-69.7% | $4,139-71.0% |
| Admin fee / account holder | $1,164 | $5,982-80.5% | $6,033-80.7% | $7,234-83.9% |