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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 | $146,114 | $136,860+6.8% | $120,344+21.4% | $154,746-5.6% |
| Participation rate | 42.9% | 79.9%-37.0pp | 76.7%-33.9pp | 80.7%-37.8pp |
| Annual return | 15.46% | 21.38%-5.9pp | 20.30%-4.8pp | 172.34%-156.9pp |
| Employer contribution / active EE | $1,640 | $3,533-53.6% | $3,020-45.7% | $4,379-62.6% |
| Participant deferral / active EE | $7,590 | $5,793+31.0% | $5,135+47.8% | $6,730+12.8% |
| Admin fee / account holder | $829 | $15,393-94.6% | $12,742-93.5% | $14,365-94.2% |