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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 | $144,455 | $148,629-2.8% | $135,982+6.2% | $139,487+3.6% |
| Participation rate | 50.0% | 83.9%-33.9pp | 81.9%-31.9pp | 80.3%-30.3pp |
| Annual return | 18.17% | 79.33%-61.2pp | 68.32%-50.1pp | 373.84%-355.7pp |
| Employer contribution / active EE | $12,172 | $5,247+132.0% | $4,859+150.5% | $4,755+156.0% |
| Participant deferral / active EE | $7,905 | $8,102-2.4% | $7,760+1.9% | $6,713+17.8% |
| Admin fee / account holder | $3,033 | $12,406-75.6% | $10,767-71.8% | $11,407-73.4% |