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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 | $145,229 | $183,627-20.9% | $155,602-6.7% | $145,978-0.5% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.5pp | 80.3%-13.6pp |
| Annual return | 14.88% | 61.32%-46.4pp | 64.81%-49.9pp | 550.52%-535.6pp |
| Employer contribution / active EE | $2,793 | $5,316-47.5% | $4,675-40.3% | $4,662-40.1% |
| Participant deferral / active EE | $6,607 | $6,466+2.2% | $5,629+17.4% | $6,690-1.2% |
| Admin fee / account holder | $3,445 | $19,327-82.2% | $15,923-78.4% | $13,400-74.3% |