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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 | $138,088 | $72,273+91.1% | $101,275+36.3% | $79,856+72.9% |
| Participation rate | 29.7% | 68.5%-38.8pp | 75.8%-46.1pp | 69.6%-40.0pp |
| Annual return | 14.80% | 22.30%-7.5pp | 46.48%-31.7pp | 31.71%-16.9pp |
| Employer contribution / active EE | $912 | $2,691-66.1% | $3,660-75.1% | $2,471-63.1% |
| Participant deferral / active EE | $2,959 | $3,282-9.8% | $4,371-32.3% | $3,741-20.9% |
| Admin fee / account holder | $3,023 | $4,401-31.3% | $5,948-49.2% | $5,306-43.0% |