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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 | $139,279 | $117,829+18.2% | $102,423+36.0% | $145,877-4.5% |
| Participation rate | 58.8% | 78.6%-19.8pp | 76.5%-17.7pp | 80.3%-21.5pp |
| Annual return | 9.91% | 31.83%-21.9pp | 29.42%-19.5pp | 551.28%-541.4pp |
| Employer contribution / active EE | $2,600 | $3,615-28.1% | $3,023-14.0% | $4,663-44.2% |
| Participant deferral / active EE | $3,720 | $5,732-35.1% | $5,054-26.4% | $6,691-44.4% |
| Admin fee / account holder | $5,229 | $13,335-60.8% | $9,455-44.7% | $13,402-61.0% |