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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 | $144,700 | $77,901+85.7% | $149,717-3.4% | $75,181+92.5% |
| Participation rate | 62.5% | 65.6%-3.1pp | 78.8%-16.3pp | 67.2%-4.7pp |
| Annual return | 19.22% | 31.73%-12.5pp | 134.41%-115.2pp | 160.69%-141.5pp |
| Employer contribution / active EE | $2,639 | $3,137-15.9% | $4,820-45.2% | $2,671-1.2% |
| Participant deferral / active EE | $6,553 | $3,411+92.1% | $5,682+15.3% | $4,126+58.8% |
| Admin fee / account holder | $6,075 | $5,949+2.1% | $13,213-54.0% | $5,650+7.5% |