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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 | $159,030 | $104,650+52.0% | $83,854+89.7% | $155,188+2.5% |
| Participation rate | 40.0% | 65.1%-25.1pp | 59.1%-19.1pp | 80.8%-40.8pp |
| Annual return | 20.05% | 28.97%-8.9pp | 31.39%-11.3pp | 148.84%-128.8pp |
| Employer contribution / active EE | $569 | $1,196-52.4% | $1,017-44.0% | $4,248-86.6% |
| Participant deferral / active EE | $7,800 | $2,367+229.5% | $2,035+283.3% | $6,531+19.4% |
| Admin fee / account holder | $2,291 | $3,518-34.9% | $3,197-28.3% | $14,480-84.2% |