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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 | $154,097 | $57,140+169.7% | $85,240+80.8% | $80,959+90.3% |
| Participation rate | 12.9% | 56.4%-43.5pp | 67.5%-54.6pp | 67.7%-54.8pp |
| Annual return | 12.10% | 21.71%-9.6pp | 66.75%-54.7pp | 35.67%-23.6pp |
| Employer contribution / active EE | $681 | $1,802-62.2% | $2,735-75.1% | $2,757-75.3% |
| Participant deferral / active EE | $3,419 | $3,115+9.8% | $4,527-24.5% | $4,300-20.5% |
| Admin fee / account holder | $1,115 | $4,992-77.7% | $6,165-81.9% | $6,925-83.9% |