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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 | $165,384 | $54,763+202.0% | $90,324+83.1% | $72,976+126.6% |
| Participation rate | 36.5% | 65.2%-28.6pp | 73.3%-36.7pp | 69.5%-33.0pp |
| Annual return | 29.03% | 30.63%-1.6pp | 78.15%-49.1pp | 81.02%-52.0pp |
| Employer contribution / active EE | $1,119 | $2,093-46.6% | $2,856-60.8% | $2,440-54.1% |
| Participant deferral / active EE | $2,430 | $2,887-15.8% | $3,885-37.5% | $3,608-32.7% |
| Admin fee / account holder | $398 | $3,973-90.0% | $5,356-92.6% | $5,124-92.2% |