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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 | $145,528 | $124,330+17.0% | $109,173+33.3% | $167,536-13.1% |
| Participation rate | 57.1% | 79.5%-22.3pp | 75.9%-18.7pp | 82.1%-25.0pp |
| Annual return | 12.66% | 26.04%-13.4pp | 25.75%-13.1pp | 478.82%-466.2pp |
| Employer contribution / active EE | $3,053 | $4,209-27.5% | $3,723-18.0% | $4,839-36.9% |
| Participant deferral / active EE | $6,523 | $5,256+24.1% | $4,654+40.2% | $6,342+2.9% |
| Admin fee / account holder | $719 | $7,974-91.0% | $6,755-89.4% | $12,315-94.2% |