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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 | $163,088 | $165,361-1.4% | $149,715+8.9% | $158,950+2.6% |
| Participation rate | 45.5% | 84.6%-39.1pp | 82.5%-37.0pp | 82.0%-36.5pp |
| Annual return | 18.77% | 348.24%-329.5pp | 276.66%-257.9pp | 302.91%-284.1pp |
| Employer contribution / active EE | $1,810 | $5,103-64.5% | $4,645-61.0% | $4,762-62.0% |
| Participant deferral / active EE | $3,908 | $7,182-45.6% | $6,842-42.9% | $5,983-34.7% |
| Admin fee / account holder | $1,009 | $10,808-90.7% | $9,310-89.2% | $11,248-91.0% |