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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 | $162,125 | $162,821-0.4% | $133,978+21.0% | $158,982+2.0% |
| Participation rate | 41.7% | 83.2%-41.6pp | 79.8%-38.2pp | 82.0%-40.3pp |
| Annual return | 11.62% | 41.95%-30.3pp | 45.10%-33.5pp | 302.99%-291.4pp |
| Employer contribution / active EE | $1,929 | $4,976-61.2% | $3,919-50.8% | $4,763-59.5% |
| Participant deferral / active EE | $4,896 | $5,910-17.2% | $5,047-3.0% | $5,983-18.2% |
| Admin fee / account holder | $1,150 | $11,742-90.2% | $8,930-87.1% | $11,252-89.8% |