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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 | $135,447 | $78,670+72.2% | $109,173+24.1% | $85,847+57.8% |
| Participation rate | 43.8% | 68.3%-24.5pp | 75.9%-32.1pp | 69.3%-25.6pp |
| Annual return | 17.25% | 25.09%-7.8pp | 25.75%-8.5pp | 318.61%-301.4pp |
| Employer contribution / active EE | $975 | $2,734-64.4% | $3,723-73.8% | $2,565-62.0% |
| Participant deferral / active EE | $2,969 | $3,467-14.4% | $4,654-36.2% | $3,952-24.9% |
| Admin fee / account holder | $956 | $5,469-82.5% | $6,755-85.8% | $6,261-84.7% |