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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 | $155,245 | $228,395-32.0% | $185,861-16.5% | $158,982-2.4% |
| Participation rate | 60.0% | 82.3%-22.3pp | 78.0%-18.0pp | 82.0%-22.0pp |
| Annual return | 18.76% | 40.82%-22.1pp | 35.96%-17.2pp | 302.99%-284.2pp |
| Employer contribution / active EE | $7,229 | $4,968+45.5% | $4,088+76.8% | $4,763+51.8% |
| Participant deferral / active EE | $3,955 | $6,417-38.4% | $5,634-29.8% | $5,983-33.9% |
| Admin fee / account holder | $7,126 | $11,869-40.0% | $9,503-25.0% | $11,252-36.7% |