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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 | $162,005 | $211,239-23.3% | $178,528-9.3% | $145,877+11.1% |
| Participation rate | 66.7% | 80.8%-14.1pp | 77.1%-10.4pp | 80.3%-13.6pp |
| Annual return | 15.08% | 30.22%-15.1pp | 27.11%-12.0pp | 551.28%-536.2pp |
| Employer contribution / active EE | $12,312 | $4,570+169.4% | $3,950+211.6% | $4,663+164.0% |
| Participant deferral / active EE | $13,094 | $6,963+88.1% | $6,278+108.6% | $6,691+95.7% |
| Admin fee / account holder | $7,466 | $12,095-38.3% | $10,419-28.3% | $13,402-44.3% |