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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 | $149,928 | $124,330+20.6% | $109,173+37.3% | $167,536-10.5% |
| Participation rate | 66.7% | 79.5%-12.8pp | 75.9%-9.2pp | 82.1%-15.4pp |
| Annual return | 12.24% | 26.04%-13.8pp | 25.75%-13.5pp | 478.82%-466.6pp |
| Employer contribution / active EE | $1,458 | $4,209-65.4% | $3,723-60.8% | $4,839-69.9% |
| Participant deferral / active EE | $1,679 | $5,256-68.1% | $4,654-63.9% | $6,342-73.5% |
| Admin fee / account holder | $1,065 | $7,974-86.6% | $6,755-84.2% | $12,315-91.4% |