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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 | $136,735 | $110,410+23.8% | $102,437+33.5% | $145,897-6.3% |
| Participation rate | 52.2% | 77.9%-25.8pp | 74.5%-22.3pp | 80.3%-28.1pp |
| Annual return | 14.35% | 24.85%-10.5pp | 24.95%-10.6pp | 552.29%-537.9pp |
| Employer contribution / active EE | $3,509 | $4,217-16.8% | $3,871-9.3% | $4,663-24.7% |
| Participant deferral / active EE | $4,932 | $5,622-12.3% | $5,060-2.5% | $6,689-26.3% |
| Admin fee / account holder | $12,253 | $9,745+25.7% | $8,388+46.1% | $13,390-8.5% |