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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 | $209,773 | $110,379+90.0% | $102,412+104.8% | $145,884+43.8% |
| Participation rate | 42.9% | 77.9%-35.1pp | 74.5%-31.6pp | 80.3%-37.4pp |
| Annual return | 16.97% | 24.84%-7.9pp | 24.94%-8.0pp | 551.85%-534.9pp |
| Employer contribution / active EE | $1,553 | $4,216-63.2% | $3,870-59.9% | $4,662-66.7% |
| Participant deferral / active EE | $5,288 | $5,622-5.9% | $5,060+4.5% | $6,690-21.0% |
| Admin fee / account holder | $4,425 | $9,745-54.6% | $8,388-47.2% | $13,392-67.0% |