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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 | $81,476+97.2% | $102,383+56.9% | $80,925+98.5% |
| Participation rate | 35.7% | 66.8%-31.1pp | 74.5%-38.8pp | 67.7%-31.9pp |
| Annual return | 14.80% | 25.59%-10.8pp | 24.94%-10.1pp | 35.65%-20.9pp |
| Employer contribution / active EE | $860 | $3,105-72.3% | $3,870-77.8% | $2,756-68.8% |
| Participant deferral / active EE | $3,038 | $3,871-21.5% | $5,060-40.0% | $4,299-29.3% |
| Admin fee / account holder | $6,503 | $6,717-3.2% | $8,391-22.5% | $6,940-6.3% |