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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 | $152,756 | $156,398-2.3% | $147,318+3.7% | $138,895+10.0% |
| Participation rate | 69.2% | 83.8%-14.5pp | 82.1%-12.8pp | 79.9%-10.7pp |
| Annual return | 15.62% | 78.75%-63.1pp | 70.43%-54.8pp | 145.39%-129.8pp |
| Employer contribution / active EE | $7,560 | $4,853+55.8% | $4,593+64.6% | $4,194+80.3% |
| Participant deferral / active EE | $6,815 | $8,237-17.3% | $7,906-13.8% | $6,396+6.5% |
| Admin fee / account holder | $1,660 | $14,976-88.9% | $13,708-87.9% | $12,562-86.8% |