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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 | $133,018 | $162,136-18.0% | $152,301-12.7% | $154,746-14.0% |
| Participation rate | 62.5% | 84.1%-21.6pp | 82.4%-19.9pp | 80.7%-18.2pp |
| Annual return | 15.66% | 91.02%-75.4pp | 80.50%-64.8pp | 172.34%-156.7pp |
| Employer contribution / active EE | $4,595 | $4,890-6.0% | $4,624-0.6% | $4,379+4.9% |
| Participant deferral / active EE | $10,762 | $8,341+29.0% | $8,004+34.5% | $6,730+59.9% |
| Admin fee / account holder | $1,267 | $15,759-92.0% | $14,398-91.2% | $14,365-91.2% |