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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 | $160,986 | $183,592-12.3% | $155,574+3.5% | $145,877+10.4% |
| Participation rate | 33.3% | 82.7%-49.4pp | 78.2%-44.9pp | 80.3%-47.0pp |
| Annual return | 18.66% | 61.37%-42.7pp | 64.87%-46.2pp | 551.28%-532.6pp |
| Employer contribution / active EE | $2,367 | $5,317-55.5% | $4,676-49.4% | $4,663-49.2% |
| Participant deferral / active EE | $9,531 | $6,466+47.4% | $5,629+69.3% | $6,691+42.5% |
| Admin fee / account holder | $2,193 | $19,316-88.6% | $15,914-86.2% | $13,402-83.6% |