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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 | $128,247 | $73,978+73.4% | $96,515+32.9% | $75,173+70.6% |
| Participation rate | 37.3% | 66.4%-29.1pp | 74.3%-37.1pp | 67.2%-29.9pp |
| Annual return | 13.55% | 26.72%-13.2pp | 35.73%-22.2pp | 160.72%-147.2pp |
| Employer contribution / active EE | $892 | $2,931-69.6% | $3,740-76.1% | $2,671-66.6% |
| Participant deferral / active EE | $2,936 | $3,660-19.8% | $4,880-39.8% | $4,126-28.8% |
| Admin fee / account holder | $10,724 | $5,219+105.5% | $6,735+59.2% | $5,651+89.8% |