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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 | $161,834 | $174,379-7.2% | $152,093+6.4% | $138,895+16.5% |
| Participation rate | 50.0% | 81.6%-31.6pp | 77.8%-27.8pp | 79.9%-29.9pp |
| Annual return | 15.13% | 74.86%-59.7pp | 66.36%-51.2pp | 145.39%-130.3pp |
| Employer contribution / active EE | $5,516 | $4,652+18.6% | $4,175+32.1% | $4,194+31.5% |
| Participant deferral / active EE | $15,861 | $6,159+157.5% | $5,451+190.9% | $6,396+148.0% |
| Admin fee / account holder | $1,223 | $16,880-92.8% | $14,497-91.6% | $12,562-90.3% |