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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 | $154,022 | $185,312-16.9% | $161,489-4.6% | $154,746-0.5% |
| Participation rate | 54.5% | 82.5%-27.9pp | 78.7%-24.2pp | 80.7%-26.2pp |
| Annual return | 16.01% | 103.84%-87.8pp | 89.72%-73.7pp | 172.34%-156.3pp |
| Employer contribution / active EE | $3,122 | $4,769-34.5% | $4,268-26.8% | $4,379-28.7% |
| Participant deferral / active EE | $5,494 | $6,350-13.5% | $5,630-2.4% | $6,730-18.4% |
| Admin fee / account holder | $10,408 | $18,654-44.2% | $16,006-35.0% | $14,365-27.5% |