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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 | $145,939 | $106,864+36.6% | $147,318-0.9% | $82,637+76.6% |
| Participation rate | 65.1% | 75.5%-10.4pp | 82.1%-16.9pp | 68.1%-2.9pp |
| Annual return | 15.75% | 27.49%-11.7pp | 70.43%-54.7pp | 53.51%-37.8pp |
| Employer contribution / active EE | $1,826 | $3,417-46.6% | $4,593-60.2% | $2,552-28.4% |
| Participant deferral / active EE | $4,810 | $6,496-25.9% | $7,906-39.2% | $4,126+16.6% |
| Admin fee / account holder | $5,563 | $8,415-33.9% | $13,708-59.4% | $7,339-24.2% |