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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 | $160,890 | $185,312-13.2% | $161,489-0.4% | $154,746+4.0% |
| Participation rate | 66.7% | 82.5%-15.8pp | 78.7%-12.0pp | 80.7%-14.0pp |
| Annual return | 15.44% | 103.84%-88.4pp | 89.72%-74.3pp | 172.34%-156.9pp |
| Employer contribution / active EE | $2,836 | $4,769-40.5% | $4,268-33.6% | $4,379-35.2% |
| Participant deferral / active EE | $7,156 | $6,350+12.7% | $5,630+27.1% | $6,730+6.3% |
| Admin fee / account holder | $3,350 | $18,654-82.0% | $16,006-79.1% | $14,365-76.7% |