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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 | $181,994 | $106,247+71.3% | $96,515+88.6% | $139,466+30.5% |
| Participation rate | 33.3% | 77.8%-44.5pp | 74.3%-41.0pp | 80.3%-47.0pp |
| Annual return | 32.79% | 38.47%-5.7pp | 35.73%-2.9pp | 373.66%-340.9pp |
| Employer contribution / active EE | $1,589 | $4,106-61.3% | $3,740-57.5% | $4,754-66.6% |
| Participant deferral / active EE | $10,000 | $5,456+83.3% | $4,880+104.9% | $6,712+49.0% |
| Admin fee / account holder | $439 | $7,885-94.4% | $6,735-93.5% | $11,409-96.2% |