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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 | $245,620 | $107,809+127.8% | $97,032+153.1% | $155,188+58.3% |
| Participation rate | 25.0% | 75.5%-50.5pp | 71.6%-46.6pp | 80.8%-55.8pp |
| Annual return | 10.32% | 38.06%-27.7pp | 35.38%-25.1pp | 148.84%-138.5pp |
| Employer contribution / active EE | $995 | $2,911-65.8% | $2,629-62.1% | $4,248-76.6% |
| Participant deferral / active EE | $5,651 | $5,129+10.2% | $4,672+20.9% | $6,531-13.5% |
| Admin fee / account holder | $421 | $10,717-96.1% | $9,418-95.5% | $14,480-97.1% |