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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 | $167,673 | $138,312+21.2% | $122,979+36.3% | $155,188+8.0% |
| Participation rate | 30.8% | 80.2%-49.4pp | 77.2%-46.4pp | 80.8%-50.0pp |
| Annual return | 15.00% | 22.06%-7.1pp | 20.12%-5.1pp | 148.84%-133.8pp |
| Employer contribution / active EE | $963 | $3,530-72.7% | $3,062-68.6% | $4,248-77.3% |
| Participant deferral / active EE | $2,241 | $5,592-59.9% | $5,003-55.2% | $6,531-65.7% |
| Admin fee / account holder | $2,037 | $15,089-86.5% | $12,864-84.2% | $14,480-85.9% |