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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 | $182,176 | $106,280+71.4% | $96,538+88.7% | $139,487+30.6% |
| Participation rate | 45.5% | 77.8%-32.4pp | 74.3%-28.9pp | 80.3%-34.9pp |
| Annual return | 17.80% | 38.48%-20.7pp | 35.74%-17.9pp | 373.84%-356.0pp |
| Employer contribution / active EE | $2,300 | $4,107-44.0% | $3,740-38.5% | $4,755-51.6% |
| Participant deferral / active EE | $5,028 | $5,457-7.9% | $4,880+3.0% | $6,713-25.1% |
| Admin fee / account holder | $1,458 | $7,888-81.5% | $6,737-78.4% | $11,407-87.2% |