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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 | $79,770 | $172,111-53.7% | $150,298-46.9% | $137,256-41.9% |
| Participation rate | 37.5% | 81.7%-44.2pp | 77.8%-40.3pp | 80.0%-42.5pp |
| Annual return | 20.53% | 69.37%-48.8pp | 62.79%-42.3pp | 220.34%-199.8pp |
| Employer contribution / active EE | $1,883 | $4,636-59.4% | $4,154-54.7% | $4,156-54.7% |
| Participant deferral / active EE | $6,957 | $6,166+12.8% | $5,453+27.6% | $6,407+8.6% |
| Admin fee / account holder | $894 | $16,471-94.6% | $14,116-93.7% | $12,270-92.7% |