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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 | $178,690 | $112,729+58.5% | $98,716+81.0% | $137,256+30.2% |
| Participation rate | 42.9% | 74.2%-31.4pp | 69.3%-26.4pp | 80.0%-37.1pp |
| Annual return | 18.54% | 38.48%-19.9pp | 31.81%-13.3pp | 220.34%-201.8pp |
| Employer contribution / active EE | $846 | $2,725-68.9% | $2,279-62.9% | $4,156-79.6% |
| Participant deferral / active EE | $1,259 | $4,640-72.9% | $4,048-68.9% | $6,407-80.4% |
| Admin fee / account holder | $1,187 | $10,129-88.3% | $8,703-86.4% | $12,270-90.3% |