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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 | $168,398 | $125,184+34.5% | $105,607+59.5% | $145,884+15.4% |
| Participation rate | 62.5% | 77.6%-15.1pp | 75.3%-12.8pp | 80.3%-17.8pp |
| Annual return | 12.49% | 225.00%-212.5pp | 116.11%-103.6pp | 551.85%-539.4pp |
| Employer contribution / active EE | $758 | $3,720-79.6% | $3,167-76.1% | $4,662-83.8% |
| Participant deferral / active EE | $3,406 | $5,714-40.4% | $5,011-32.0% | $6,690-49.1% |
| Admin fee / account holder | $702 | $17,133-95.9% | $10,958-93.6% | $13,392-94.8% |