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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 | $168,945 | $97,125+73.9% | $86,233+95.9% | $137,256+23.1% |
| Participation rate | 42.9% | 74.2%-31.3pp | 69.0%-26.2pp | 80.0%-37.1pp |
| Annual return | 35.89% | 74.19%-38.3pp | 61.39%-25.5pp | 220.34%-184.5pp |
| Employer contribution / active EE | $1,113 | $2,841-60.8% | $2,504-55.6% | $4,156-73.2% |
| Participant deferral / active EE | $1,178 | $5,180-77.3% | $4,559-74.2% | $6,407-81.6% |
| Admin fee / account holder | $499 | $9,725-94.9% | $8,342-94.0% | $12,270-95.9% |