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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 | $138,077 | $124,425+11.0% | $112,040+23.2% | $137,256+0.6% |
| Participation rate | 61.5% | 79.3%-17.8pp | 76.5%-15.0pp | 80.0%-18.4pp |
| Annual return | 17.06% | 24.72%-7.7pp | 24.52%-7.5pp | 220.34%-203.3pp |
| Employer contribution / active EE | $3,109 | $3,411-8.9% | $2,954+5.2% | $4,156-25.2% |
| Participant deferral / active EE | $7,801 | $5,718+36.4% | $5,098+53.0% | $6,407+21.8% |
| Admin fee / account holder | $9,342 | $15,207-38.6% | $12,098-22.8% | $12,270-23.9% |