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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 | $139,967 | $165,381-15.4% | $149,730-6.5% | $158,966-12.0% |
| Participation rate | 68.8% | 84.6%-15.8pp | 82.5%-13.7pp | 82.0%-13.2pp |
| Annual return | 14.43% | 348.29%-333.9pp | 276.70%-262.3pp | 302.95%-288.5pp |
| Employer contribution / active EE | $3,765 | $5,104-26.2% | $4,645-19.0% | $4,762-21.0% |
| Participant deferral / active EE | $6,598 | $7,182-8.1% | $6,843-3.6% | $5,983+10.3% |
| Admin fee / account holder | $15,652 | $10,809+44.8% | $9,310+68.1% | $11,250+39.1% |