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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 | $116,156 | $29,319+296.2% | $52,425+121.6% | $82,448+40.9% |
| Participation rate | 52.0% | 46.9%+5.1pp | 55.6%-3.6pp | 68.1%-16.1pp |
| Annual return | 18.41% | 535.20%-516.8pp | 302.12%-283.7pp | 41.64%-23.2pp |
| Employer contribution / active EE | $249 | $586-57.6% | $914-72.8% | $2,551-90.3% |
| Participant deferral / active EE | $1,377 | $1,171+17.6% | $1,790-23.1% | $4,139-66.7% |
| Admin fee / account holder | $2,171 | $1,962+10.6% | $2,495-13.0% | $7,234-70.0% |