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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 | $130,580 | $110,303+18.4% | $95,759+36.4% | $139,487-6.4% |
| Participation rate | 50.0% | 75.7%-25.7pp | 72.3%-22.3pp | 80.3%-30.3pp |
| Annual return | 20.80% | 27.19%-6.4pp | 28.42%-7.6pp | 373.84%-353.0pp |
| Employer contribution / active EE | $1,854 | $3,261-43.1% | $2,836-34.6% | $4,755-61.0% |
| Participant deferral / active EE | $3,569 | $4,674-23.6% | $4,244-15.9% | $6,713-46.8% |
| Admin fee / account holder | $3,092 | $6,615-53.3% | $5,678-45.5% | $11,407-72.9% |