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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 | $138,510 | $106,247+30.4% | $96,515+43.5% | $139,466-0.7% |
| Participation rate | 38.1% | 77.8%-39.7pp | 74.3%-36.3pp | 80.3%-42.2pp |
| Annual return | 32.10% | 38.47%-6.4pp | 35.73%-3.6pp | 373.66%-341.6pp |
| Employer contribution / active EE | $1,814 | $4,106-55.8% | $3,740-51.5% | $4,754-61.8% |
| Participant deferral / active EE | $4,646 | $5,456-14.8% | $4,880-4.8% | $6,712-30.8% |
| Admin fee / account holder | $7,721 | $7,885-2.1% | $6,735+14.6% | $11,409-32.3% |