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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 | $63,949+103.5% | $129,031+0.9% | $94,015+38.5% |
| Participation rate | 39.7% | 63.4%-23.7pp | 73.4%-33.6pp | 70.8%-31.1pp |
| Annual return | 15.51% | 17.56%-2.1pp | 34.67%-19.2pp | 17.84%-2.3pp |
| Employer contribution / active EE | $491 | $1,865-73.7% | $3,226-84.8% | $2,790-82.4% |
| Participant deferral / active EE | $2,350 | $3,686-36.3% | $5,217-55.0% | $4,249-44.7% |
| Admin fee / account holder | $871 | $5,523-84.2% | $13,208-93.4% | $8,951-90.3% |