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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 | $145,253 | $124,980+16.2% | $108,359+34.0% | $154,746-6.1% |
| Participation rate | 66.7% | 75.2%-8.5pp | 70.1%-3.5pp | 80.7%-14.0pp |
| Annual return | 15.55% | 45.00%-29.4pp | 36.89%-21.3pp | 172.34%-156.8pp |
| Employer contribution / active EE | $571 | $2,851-80.0% | $2,399-76.2% | $4,379-87.0% |
| Participant deferral / active EE | $6,303 | $4,743+32.9% | $4,137+52.4% | $6,730-6.3% |
| Admin fee / account holder | $584 | $11,502-94.9% | $9,741-94.0% | $14,365-95.9% |