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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 | $181,062-24.0% | $158,223-13.0% | $155,188-11.3% |
| Participation rate | 66.7% | 82.7%-16.0pp | 79.2%-12.5pp | 80.8%-14.1pp |
| Annual return | 19.47% | 57.39%-37.9pp | 52.09%-32.6pp | 148.84%-129.4pp |
| Employer contribution / active EE | $4,642 | $4,565+1.7% | $4,109+13.0% | $4,248+9.3% |
| Participant deferral / active EE | $15,750 | $6,134+156.7% | $5,467+188.1% | $6,531+141.2% |
| Admin fee / account holder | $6,942 | $18,825-63.1% | $16,047-56.7% | $14,480-52.1% |