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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 | $137,914 | $101,618+35.7% | $93,063+48.2% | $137,256+0.5% |
| Participation rate | 40.0% | 74.9%-34.9pp | 72.1%-32.1pp | 80.0%-40.0pp |
| Annual return | 17.59% | 223.95%-206.4pp | 34.15%-16.6pp | 220.34%-202.8pp |
| Employer contribution / active EE | $1,196 | $2,707-55.8% | $2,476-51.7% | $4,156-71.2% |
| Participant deferral / active EE | $6,845 | $4,279+60.0% | $3,958+72.9% | $6,407+6.8% |
| Admin fee / account holder | $9,535 | $6,198+53.8% | $6,033+58.0% | $12,270-22.3% |