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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 | $135,639 | $124,425+9.0% | $112,040+21.1% | $137,256-1.2% |
| Participation rate | 31.3% | 79.3%-48.1pp | 76.5%-45.2pp | 80.0%-48.7pp |
| Annual return | 15.00% | 24.72%-9.7pp | 24.52%-9.5pp | 220.34%-205.3pp |
| Employer contribution / active EE | $1,526 | $3,411-55.3% | $2,954-48.3% | $4,156-63.3% |
| Participant deferral / active EE | $6,275 | $5,718+9.7% | $5,098+23.1% | $6,407-2.1% |
| Admin fee / account holder | $1,976 | $15,207-87.0% | $12,098-83.7% | $12,270-83.9% |