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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 | $137,005 | $209,336-34.6% | $197,124-30.5% | $137,256-0.2% |
| Participation rate | 57.1% | 87.3%-30.2pp | 86.7%-29.6pp | 80.0%-22.8pp |
| Annual return | 18.54% | 48.09%-29.5pp | 44.34%-25.8pp | 220.34%-201.8pp |
| Employer contribution / active EE | $2,530 | $6,591-61.6% | $6,227-59.4% | $4,156-39.1% |
| Participant deferral / active EE | $10,955 | $9,614+13.9% | $9,135+19.9% | $6,407+71.0% |
| Admin fee / account holder | $413 | $17,308-97.6% | $16,298-97.5% | $12,270-96.6% |