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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 | $148,848 | $110,212+35.1% | $96,534+54.2% | $139,466+6.7% |
| Participation rate | 58.3% | 78.1%-19.8pp | 76.0%-17.6pp | 80.3%-22.0pp |
| Annual return | 15.59% | 26.42%-10.8pp | 25.88%-10.3pp | 373.66%-358.1pp |
| Employer contribution / active EE | $1,597 | $3,620-55.9% | $2,965-46.1% | $4,754-66.4% |
| Participant deferral / active EE | $7,180 | $5,547+29.4% | $4,851+48.0% | $6,712+7.0% |
| Admin fee / account holder | $31,850 | $11,599+174.6% | $8,253+285.9% | $11,409+179.2% |