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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 | $147,545 | $88,996+65.8% | $78,004+89.2% | $138,895+6.2% |
| Participation rate | 50.0% | 74.4%-24.4pp | 69.4%-19.4pp | 79.9%-29.9pp |
| Annual return | 15.34% | 28.03%-12.7pp | 31.07%-15.7pp | 145.39%-130.1pp |
| Employer contribution / active EE | $2,486 | $2,917-14.8% | $2,469+0.7% | $4,194-40.7% |
| Participant deferral / active EE | $5,672 | $4,724+20.1% | $4,092+38.6% | $6,396-11.3% |
| Admin fee / account holder | $2,333 | $8,807-73.5% | $7,578-69.2% | $12,562-81.4% |