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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 | $133,281 | $73,978+80.2% | $96,515+38.1% | $75,173+77.3% |
| Participation rate | 29.3% | 66.4%-37.1pp | 74.3%-45.0pp | 67.2%-37.9pp |
| Annual return | 19.07% | 26.72%-7.7pp | 35.73%-16.7pp | 160.72%-141.7pp |
| Employer contribution / active EE | $1,082 | $2,931-63.1% | $3,740-71.1% | $2,671-59.5% |
| Participant deferral / active EE | $1,791 | $3,660-51.1% | $4,880-63.3% | $4,126-56.6% |
| Admin fee / account holder | $2,510 | $5,219-51.9% | $6,735-62.7% | $5,651-55.6% |