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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 | $140,361 | $123,793+13.4% | $177,848-21.1% | $79,856+75.8% |
| Participation rate | 55.0% | 84.7%-29.7pp | 87.7%-32.7pp | 69.6%-14.6pp |
| Annual return | 23.73% | 22.82%+0.9pp | 48.33%-24.6pp | 31.71%-8.0pp |
| Employer contribution / active EE | $2,627 | $4,095-35.8% | $5,919-55.6% | $2,471+6.3% |
| Participant deferral / active EE | $4,418 | $5,956-25.8% | $7,714-42.7% | $3,741+18.1% |
| Admin fee / account holder | $6,932 | $7,243-4.3% | $12,431-44.2% | $5,306+30.6% |