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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 | $128,841 | $174,379-26.1% | $152,093-15.3% | $138,895-7.2% |
| Participation rate | 63.6% | 81.6%-18.0pp | 77.8%-14.1pp | 79.9%-16.3pp |
| Annual return | 13.89% | 74.86%-61.0pp | 66.36%-52.5pp | 145.39%-131.5pp |
| Employer contribution / active EE | $1,998 | $4,652-57.1% | $4,175-52.1% | $4,194-52.4% |
| Participant deferral / active EE | $7,706 | $6,159+25.1% | $5,451+41.4% | $6,396+20.5% |
| Admin fee / account holder | $6,493 | $16,880-61.5% | $14,497-55.2% | $12,562-48.3% |