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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 | $147,611 | $111,535+32.3% | $105,223+40.3% | $137,256+7.5% |
| Participation rate | 25.0% | 78.1%-53.1pp | 75.0%-50.0pp | 80.0%-55.0pp |
| Annual return | 13.06% | 237.85%-224.8pp | 180.65%-167.6pp | 220.34%-207.3pp |
| Employer contribution / active EE | $1,296 | $3,939-67.1% | $3,689-64.9% | $4,156-68.8% |
| Participant deferral / active EE | $3,605 | $5,500-34.4% | $5,072-28.9% | $6,407-43.7% |
| Admin fee / account holder | $8,330 | $9,721-14.3% | $8,859-6.0% | $12,270-32.1% |