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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 | $150,863 | $185,312-18.6% | $161,489-6.6% | $154,746-2.5% |
| Participation rate | 60.0% | 82.5%-22.5pp | 78.7%-18.7pp | 80.7%-20.7pp |
| Annual return | 18.68% | 103.84%-85.2pp | 89.72%-71.0pp | 172.34%-153.7pp |
| Employer contribution / active EE | $2,533 | $4,769-46.9% | $4,268-40.6% | $4,379-42.1% |
| Participant deferral / active EE | $9,000 | $6,350+41.7% | $5,630+59.9% | $6,730+33.7% |
| Admin fee / account holder | $1,225 | $18,654-93.4% | $16,006-92.3% | $14,365-91.5% |