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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 | $181,062-14.9% | $158,223-2.7% | $155,188-0.8% |
| Participation rate | 54.5% | 82.7%-28.1pp | 79.2%-24.7pp | 80.8%-26.3pp |
| Annual return | 16.01% | 57.39%-41.4pp | 52.09%-36.1pp | 148.84%-132.8pp |
| Employer contribution / active EE | $3,122 | $4,565-31.6% | $4,109-24.0% | $4,248-26.5% |
| Participant deferral / active EE | $5,494 | $6,134-10.4% | $5,467+0.5% | $6,531-15.9% |
| Admin fee / account holder | $10,408 | $18,825-44.7% | $16,047-35.1% | $14,480-28.1% |