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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 | $152,993 | $148,623+2.9% | $135,974+12.5% | $139,466+9.7% |
| Participation rate | 57.9% | 83.9%-26.0pp | 81.9%-24.0pp | 80.3%-22.4pp |
| Annual return | 17.18% | 79.30%-62.1pp | 68.30%-51.1pp | 373.66%-356.5pp |
| Employer contribution / active EE | $2,772 | $5,246-47.2% | $4,859-43.0% | $4,754-41.7% |
| Participant deferral / active EE | $6,193 | $8,103-23.6% | $7,760-20.2% | $6,712-7.7% |
| Admin fee / account holder | $570 | $12,406-95.4% | $10,767-94.7% | $11,409-95.0% |