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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 | $165,468 | $174,379-5.1% | $152,093+8.8% | $138,895+19.1% |
| Participation rate | 50.0% | 81.6%-31.6pp | 77.8%-27.8pp | 79.9%-29.9pp |
| Annual return | 18.77% | 74.86%-56.1pp | 66.36%-47.6pp | 145.39%-126.6pp |
| Employer contribution / active EE | $1,401 | $4,652-69.9% | $4,175-66.4% | $4,194-66.6% |
| Participant deferral / active EE | $1,903 | $6,159-69.1% | $5,451-65.1% | $6,396-70.2% |
| Admin fee / account holder | $1,444 | $16,880-91.4% | $14,497-90.0% | $12,562-88.5% |