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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 | $211,224-23.3% | $178,505-9.2% | $145,897+11.0% |
| Participation rate | 66.7% | 80.8%-14.2pp | 77.1%-10.5pp | 80.3%-13.6pp |
| Annual return | 15.08% | 30.28%-15.2pp | 27.16%-12.1pp | 552.29%-537.2pp |
| Employer contribution / active EE | $12,312 | $4,577+169.0% | $3,955+211.3% | $4,663+164.0% |
| Participant deferral / active EE | $13,094 | $6,966+88.0% | $6,280+108.5% | $6,689+95.7% |
| Admin fee / account holder | $7,466 | $12,109-38.3% | $10,428-28.4% | $13,390-44.2% |