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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 | $122,775 | $157,304-22.0% | $141,197-13.0% | $152,909-19.7% |
| Participation rate | 68.2% | 84.8%-16.6pp | 82.5%-14.3pp | 82.5%-14.3pp |
| Annual return | 20.88% | 64.34%-43.5pp | 71.41%-50.5pp | 345.46%-324.6pp |
| Employer contribution / active EE | $5,176 | $5,263-1.6% | $4,736+9.3% | $4,764+8.6% |
| Participant deferral / active EE | $9,093 | $7,111+27.9% | $6,710+35.5% | $5,851+55.4% |
| Admin fee / account holder | $1,354 | $12,126-88.8% | $10,265-86.8% | $11,601-88.3% |