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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 | $147,716 | $123,155+19.9% | $108,753+35.8% | $155,188-4.8% |
| Participation rate | 50.0% | 75.6%-25.6pp | 71.1%-21.1pp | 80.8%-30.8pp |
| Annual return | 13.33% | 44.73%-31.4pp | 37.47%-24.1pp | 148.84%-135.5pp |
| Employer contribution / active EE | $763 | $2,811-72.9% | $2,427-68.6% | $4,248-82.0% |
| Participant deferral / active EE | $5,680 | $4,623+22.9% | $4,115+38.0% | $6,531-13.0% |
| Admin fee / account holder | $347 | $12,126-97.1% | $10,320-96.6% | $14,480-97.6% |