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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 | $58,057+124.2% | $97,032+34.1% | $86,983+49.6% |
| Participation rate | 39.7% | 60.4%-20.7pp | 71.6%-31.9pp | 69.5%-29.8pp |
| Annual return | 15.51% | 22.26%-6.7pp | 35.38%-19.9pp | 25.83%-10.3pp |
| Employer contribution / active EE | $491 | $1,663-70.5% | $2,629-81.3% | $2,584-81.0% |
| Participant deferral / active EE | $2,350 | $3,244-27.6% | $4,672-49.7% | $4,194-44.0% |
| Admin fee / account holder | $871 | $4,839-82.0% | $9,418-90.8% | $7,856-88.9% |