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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 | $126,661+9.0% | $113,397+21.8% | $138,895-0.6% |
| Participation rate | 61.5% | 79.4%-17.9pp | 76.5%-15.0pp | 79.9%-18.4pp |
| Annual return | 17.06% | 25.05%-8.0pp | 23.20%-6.1pp | 145.39%-128.3pp |
| Employer contribution / active EE | $3,109 | $3,456-10.1% | $2,977+4.4% | $4,194-25.9% |
| Participant deferral / active EE | $7,801 | $5,693+37.0% | $5,076+53.7% | $6,396+22.0% |
| Admin fee / account holder | $9,342 | $14,549-35.8% | $11,957-21.9% | $12,562-25.6% |