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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 | $160,639 | $81,504+97.1% | $102,437+56.8% | $80,959+98.4% |
| Participation rate | 35.7% | 66.9%-31.1pp | 74.5%-38.8pp | 67.7%-32.0pp |
| Annual return | 14.80% | 25.60%-10.8pp | 24.95%-10.2pp | 35.67%-20.9pp |
| Employer contribution / active EE | $860 | $3,104-72.3% | $3,871-77.8% | $2,757-68.8% |
| Participant deferral / active EE | $3,038 | $3,871-21.5% | $5,060-40.0% | $4,300-29.4% |
| Admin fee / account holder | $6,503 | $6,719-3.2% | $8,388-22.5% | $6,925-6.1% |