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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 | $148,020 | $102,938+43.8% | $94,105+57.3% | $138,895+6.6% |
| Participation rate | 50.0% | 74.6%-24.6pp | 71.9%-21.9pp | 79.9%-29.9pp |
| Annual return | 15.48% | 250.28%-234.8pp | 204.55%-189.1pp | 145.39%-129.9pp |
| Employer contribution / active EE | $1,853 | $2,732-32.2% | $2,504-26.0% | $4,194-55.8% |
| Participant deferral / active EE | $8,847 | $4,196+110.8% | $3,881+128.0% | $6,396+38.3% |
| Admin fee / account holder | $564 | $6,600-91.5% | $6,199-90.9% | $12,562-95.5% |