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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 | $143,903 | $110,240+30.5% | $96,544+49.1% | $139,487+3.2% |
| Participation rate | 66.7% | 78.1%-11.5pp | 76.0%-9.3pp | 80.3%-13.7pp |
| Annual return | 11.91% | 26.41%-14.5pp | 25.88%-14.0pp | 373.84%-361.9pp |
| Employer contribution / active EE | $2,507 | $3,622-30.8% | $2,966-15.5% | $4,755-47.3% |
| Participant deferral / active EE | $4,873 | $5,549-12.2% | $4,851+0.4% | $6,713-27.4% |
| Admin fee / account holder | $5,815 | $11,602-49.9% | $8,254-29.6% | $11,407-49.0% |