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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 | $130,166 | $57,590+126.0% | $86,233+50.9% | $82,448+57.9% |
| Participation rate | 39.7% | 57.9%-18.2pp | 69.0%-29.3pp | 68.1%-28.4pp |
| Annual return | 15.51% | 22.41%-6.9pp | 61.39%-45.9pp | 41.64%-26.1pp |
| Employer contribution / active EE | $491 | $1,655-70.3% | $2,504-80.4% | $2,551-80.7% |
| Participant deferral / active EE | $2,350 | $3,080-23.7% | $4,559-48.5% | $4,139-43.2% |
| Admin fee / account holder | $871 | $4,730-81.6% | $8,342-89.6% | $7,234-88.0% |