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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 | $143,302 | $127,387+12.5% | $115,038+24.6% | $125,389+14.3% |
| Participation rate | 36.8% | 84.2%-47.3pp | 81.4%-44.5pp | 83.2%-46.3pp |
| Annual return | 5.88% | 31.28%-25.4pp | 26.14%-20.3pp | 282.24%-276.4pp |
| Employer contribution / active EE | $2,138 | $5,166-58.6% | $4,608-53.6% | $4,866-56.1% |
| Participant deferral / active EE | $6,607 | $6,423+2.9% | $6,026+9.6% | $5,352+23.5% |
| Admin fee / account holder | $6,005 | $9,516-36.9% | $8,175-26.5% | $9,541-37.1% |