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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 | $130,953 | $101,618+28.9% | $93,063+40.7% | $137,256-4.6% |
| Participation rate | 25.0% | 74.9%-49.9pp | 72.1%-47.1pp | 80.0%-55.0pp |
| Annual return | 17.37% | 223.95%-206.6pp | 34.15%-16.8pp | 220.34%-203.0pp |
| Employer contribution / active EE | $432 | $2,707-84.0% | $2,476-82.6% | $4,156-89.6% |
| Participant deferral / active EE | $1,080 | $4,279-74.8% | $3,958-72.7% | $6,407-83.1% |
| Admin fee / account holder | $1,143 | $6,198-81.6% | $6,033-81.1% | $12,270-90.7% |