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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 | $180,241 | $183,516-1.8% | $155,534+15.9% | $145,884+23.6% |
| Participation rate | 52.6% | 82.7%-30.1pp | 78.2%-25.6pp | 80.3%-27.7pp |
| Annual return | 11.83% | 61.43%-49.6pp | 64.92%-53.1pp | 551.85%-540.0pp |
| Employer contribution / active EE | $4,882 | $5,315-8.1% | $4,675+4.4% | $4,662+4.7% |
| Participant deferral / active EE | $6,804 | $6,467+5.2% | $5,630+20.8% | $6,690+1.7% |
| Admin fee / account holder | $866 | $19,293-95.5% | $15,900-94.6% | $13,392-93.5% |