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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 | $176,804 | $153,769+15.0% | $133,975+32.0% | $273,972-35.5% |
| Participation rate | 58.8% | 88.4%-29.5pp | 87.1%-28.2pp | 83.0%-24.2pp |
| Annual return | 5.14% | 36.51%-31.4pp | 29.29%-24.2pp | 41.46%-36.3pp |
| Employer contribution / active EE | $1,986 | $6,029-67.1% | $5,211-61.9% | $4,869-59.2% |
| Participant deferral / active EE | $4,908 | $6,958-29.5% | $6,282-21.9% | $5,287-7.2% |
| Admin fee / account holder | $575 | $11,765-95.1% | $9,324-93.8% | $10,133-94.3% |