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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 | $143,074 | $110,410+29.6% | $102,437+39.7% | $145,897-1.9% |
| Participation rate | 33.3% | 77.9%-44.6pp | 74.5%-41.2pp | 80.3%-47.0pp |
| Annual return | 11.53% | 24.85%-13.3pp | 24.95%-13.4pp | 552.29%-540.8pp |
| Employer contribution / active EE | $2,084 | $4,217-50.6% | $3,871-46.2% | $4,663-55.3% |
| Participant deferral / active EE | $5,102 | $5,622-9.2% | $5,060+0.8% | $6,689-23.7% |
| Admin fee / account holder | $1,242 | $9,745-87.3% | $8,388-85.2% | $13,390-90.7% |