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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 | $167,939 | $227,633-26.2% | $189,597-11.4% | $167,553+0.2% |
| Participation rate | 50.0% | 82.5%-32.5pp | 78.4%-28.4pp | 82.1%-32.1pp |
| Annual return | 11.10% | 78.45%-67.4pp | 64.20%-53.1pp | 478.89%-467.8pp |
| Employer contribution / active EE | $1,392 | $5,317-73.8% | $4,412-68.5% | $4,840-71.2% |
| Participant deferral / active EE | $4,966 | $7,003-29.1% | $6,174-19.6% | $6,343-21.7% |
| Admin fee / account holder | $1,494 | $11,879-87.4% | $9,807-84.8% | $12,316-87.9% |