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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 | $126,661+15.4% | $113,397+28.9% | $138,895+5.2% |
| Participation rate | 42.9% | 79.4%-36.6pp | 76.5%-33.6pp | 79.9%-37.1pp |
| Annual return | 15.46% | 25.05%-9.6pp | 23.20%-7.7pp | 145.39%-129.9pp |
| Employer contribution / active EE | $1,640 | $3,456-52.6% | $2,977-44.9% | $4,194-60.9% |
| Participant deferral / active EE | $7,590 | $5,693+33.3% | $5,076+49.5% | $6,396+18.7% |
| Admin fee / account holder | $829 | $14,549-94.3% | $11,957-93.1% | $12,562-93.4% |