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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 | $137,643 | $185,312-25.7% | $161,489-14.8% | $154,746-11.1% |
| Participation rate | 66.7% | 82.5%-15.8pp | 78.7%-12.0pp | 80.7%-14.0pp |
| Annual return | 19.47% | 103.84%-84.4pp | 89.72%-70.2pp | 172.34%-152.9pp |
| Employer contribution / active EE | $4,642 | $4,769-2.7% | $4,268+8.8% | $4,379+6.0% |
| Participant deferral / active EE | $15,750 | $6,350+148.0% | $5,630+179.8% | $6,730+134.0% |
| Admin fee / account holder | $6,942 | $18,654-62.8% | $16,006-56.6% | $14,365-51.7% |