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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 | $145,283 | $209,336-30.6% | $197,124-26.3% | $137,256+5.8% |
| Participation rate | 63.6% | 87.3%-23.7pp | 86.7%-23.1pp | 80.0%-16.3pp |
| Annual return | 14.77% | 48.09%-33.3pp | 44.34%-29.6pp | 220.34%-205.6pp |
| Employer contribution / active EE | $3,021 | $6,591-54.2% | $6,227-51.5% | $4,156-27.3% |
| Participant deferral / active EE | $6,910 | $9,614-28.1% | $9,135-24.3% | $6,407+7.9% |
| Admin fee / account holder | $2,074 | $17,308-88.0% | $16,298-87.3% | $12,270-83.1% |