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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 | $103,709 | $57,541+80.2% | $95,759+8.3% | $75,177+38.0% |
| Participation rate | 28.6% | 62.5%-33.9pp | 72.3%-43.7pp | 67.2%-38.6pp |
| Annual return | 15.45% | 34.93%-19.5pp | 28.42%-13.0pp | 160.75%-145.3pp |
| Employer contribution / active EE | $538 | $1,808-70.2% | $2,836-81.0% | $2,671-79.9% |
| Participant deferral / active EE | $2,089 | $3,074-32.1% | $4,244-50.8% | $4,126-49.4% |
| Admin fee / account holder | $791 | $4,099-80.7% | $5,678-86.1% | $5,651-86.0% |