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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 | $125,291 | $100,970+24.1% | $96,576+29.7% | $137,256-8.7% |
| Participation rate | 33.3% | 82.6%-49.3pp | 81.4%-48.1pp | 80.0%-46.6pp |
| Annual return | 14.85% | 38.16%-23.3pp | 38.47%-23.6pp | 220.34%-205.5pp |
| Employer contribution / active EE | $3,500 | $3,809-8.1% | $3,553-1.5% | $4,156-15.8% |
| Participant deferral / active EE | $5,167 | $8,286-37.6% | $7,956-35.1% | $6,407-19.4% |
| Admin fee / account holder | $4,305 | $11,312-61.9% | $11,381-62.2% | $12,270-64.9% |