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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 | $94,439+68.4% | $73,658+115.9% | $154,746+2.8% |
| Participation rate | 40.0% | 64.7%-24.7pp | 57.0%-17.0pp | 80.7%-40.7pp |
| Annual return | 20.05% | 28.25%-8.2pp | 29.72%-9.7pp | 172.34%-152.3pp |
| Employer contribution / active EE | $569 | $1,257-54.7% | $1,032-44.9% | $4,379-87.0% |
| Participant deferral / active EE | $7,800 | $2,527+208.7% | $2,062+278.3% | $6,730+15.9% |
| Admin fee / account holder | $2,291 | $3,843-40.4% | $3,357-31.7% | $14,365-84.1% |