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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 | $135,768 | $114,119+19.0% | $107,187+26.7% | $138,895-2.3% |
| Participation rate | 40.0% | 78.1%-38.1pp | 75.0%-35.0pp | 79.9%-39.9pp |
| Annual return | 16.69% | 273.21%-256.5pp | 204.55%-187.9pp | 145.39%-128.7pp |
| Employer contribution / active EE | $2,033 | $4,059-49.9% | $3,782-46.3% | $4,194-51.5% |
| Participant deferral / active EE | $3,630 | $5,538-34.5% | $5,096-28.8% | $6,396-43.2% |
| Admin fee / account holder | $1,703 | $10,024-83.0% | $9,162-81.4% | $12,562-86.4% |