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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 | $189,181 | $185,312+2.1% | $161,489+17.1% | $154,746+22.3% |
| Participation rate | 47.4% | 82.5%-35.1pp | 78.7%-31.3pp | 80.7%-33.3pp |
| Annual return | 15.62% | 103.84%-88.2pp | 89.72%-74.1pp | 172.34%-156.7pp |
| Employer contribution / active EE | $1,338 | $4,769-71.9% | $4,268-68.6% | $4,379-69.4% |
| Participant deferral / active EE | $6,161 | $6,350-3.0% | $5,630+9.4% | $6,730-8.5% |
| Admin fee / account holder | $1,401 | $18,654-92.5% | $16,006-91.2% | $14,365-90.3% |