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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 | $127,131 | $185,312-31.4% | $161,489-21.3% | $154,746-17.8% |
| Participation rate | 60.0% | 82.5%-22.5pp | 78.7%-18.7pp | 80.7%-20.7pp |
| Annual return | 14.17% | 103.84%-89.7pp | 89.72%-75.5pp | 172.34%-158.2pp |
| Employer contribution / active EE | $3,297 | $4,769-30.9% | $4,268-22.7% | $4,379-24.7% |
| Participant deferral / active EE | $6,728 | $6,350+6.0% | $5,630+19.5% | $6,7300% |
| Admin fee / account holder | $1,631 | $18,654-91.3% | $16,006-89.8% | $14,365-88.6% |