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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 | $36,353 | $69,118-47.4% | $53,647-32.2% | $138,895-73.8% |
| Participation rate | 57.1% | 64.0%-6.8pp | 56.3%+0.9pp | 79.9%-22.8pp |
| Annual return | 14.54% | 248.26%-233.7pp | 358.33%-343.8pp | 145.39%-130.9pp |
| Employer contribution / active EE | $1,479 | $1,189+24.4% | $962+53.8% | $4,194-64.7% |
| Participant deferral / active EE | $4,220 | $2,274+85.6% | $1,813+132.7% | $6,396-34.0% |
| Admin fee / account holder | $837 | $2,724-69.3% | $2,460-66.0% | $12,562-93.3% |