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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 | $152,986 | $148,623+2.9% | $135,974+12.5% | $139,466+9.7% |
| Participation rate | 66.7% | 83.9%-17.2pp | 81.9%-15.3pp | 80.3%-13.7pp |
| Annual return | 19.44% | 79.30%-59.9pp | 68.30%-48.9pp | 373.66%-354.2pp |
| Employer contribution / active EE | $2,012 | $5,246-61.7% | $4,859-58.6% | $4,754-57.7% |
| Participant deferral / active EE | $3,816 | $8,103-52.9% | $7,760-50.8% | $6,712-43.2% |
| Admin fee / account holder | $5,078 | $12,406-59.1% | $10,767-52.8% | $11,409-55.5% |