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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 | $140,289 | $111,814+25.5% | $103,378+35.7% | $145,978-3.9% |
| Participation rate | 42.9% | 77.9%-35.1pp | 74.5%-31.7pp | 80.3%-37.4pp |
| Annual return | 14.35% | 24.80%-10.5pp | 24.91%-10.6pp | 550.52%-536.2pp |
| Employer contribution / active EE | $1,766 | $4,215-58.1% | $3,870-54.4% | $4,662-62.1% |
| Participant deferral / active EE | $6,099 | $5,618+8.6% | $5,058+20.6% | $6,690-8.8% |
| Admin fee / account holder | $650 | $9,764-93.3% | $8,401-92.3% | $13,400-95.1% |