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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 | $160,670 | $157,304+2.1% | $141,197+13.8% | $152,909+5.1% |
| Participation rate | 66.7% | 84.8%-18.2pp | 82.5%-15.8pp | 82.5%-15.8pp |
| Annual return | 16.85% | 64.34%-47.5pp | 71.41%-54.6pp | 345.46%-328.6pp |
| Employer contribution / active EE | $1,478 | $5,263-71.9% | $4,736-68.8% | $4,764-69.0% |
| Participant deferral / active EE | $7,653 | $7,111+7.6% | $6,710+14.1% | $5,851+30.8% |
| Admin fee / account holder | $1,632 | $12,126-86.5% | $10,265-84.1% | $11,601-85.9% |