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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 | $96,200 | $57,140+68.4% | $85,240+12.9% | $80,959+18.8% |
| Participation rate | 15.3% | 56.4%-41.1pp | 67.5%-52.2pp | 67.7%-52.4pp |
| Annual return | 14.29% | 21.71%-7.4pp | 66.75%-52.5pp | 35.67%-21.4pp |
| Employer contribution / active EE | $413 | $1,802-77.1% | $2,735-84.9% | $2,757-85.0% |
| Participant deferral / active EE | $791 | $3,115-74.6% | $4,527-82.5% | $4,300-81.6% |
| Admin fee / account holder | $4,025 | $4,992-19.4% | $6,165-34.7% | $6,925-41.9% |