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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 | $153,250 | $110,410+38.8% | $102,437+49.6% | $145,897+5.0% |
| Participation rate | 36.4% | 77.9%-41.6pp | 74.5%-38.1pp | 80.3%-43.9pp |
| Annual return | 16.33% | 24.85%-8.5pp | 24.95%-8.6pp | 552.29%-536.0pp |
| Employer contribution / active EE | $924 | $4,217-78.1% | $3,871-76.1% | $4,663-80.2% |
| Participant deferral / active EE | $1,624 | $5,622-71.1% | $5,060-67.9% | $6,689-75.7% |
| Admin fee / account holder | $1,551 | $9,745-84.1% | $8,388-81.5% | $13,390-88.4% |