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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 | $146,897 | $126,661+16.0% | $113,397+29.5% | $138,895+5.8% |
| Participation rate | 61.9% | 79.4%-17.5pp | 76.5%-14.6pp | 79.9%-18.0pp |
| Annual return | 12.33% | 25.05%-12.7pp | 23.20%-10.9pp | 145.39%-133.1pp |
| Employer contribution / active EE | $2,609 | $3,456-24.5% | $2,977-12.4% | $4,194-37.8% |
| Participant deferral / active EE | $7,774 | $5,693+36.6% | $5,076+53.1% | $6,396+21.5% |
| Admin fee / account holder | $8,546 | $14,549-41.3% | $11,957-28.5% | $12,562-32.0% |