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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 | $150,171 | $183,539-18.2% | $155,556-3.5% | $145,897+2.9% |
| Participation rate | 40.0% | 82.7%-42.7pp | 78.2%-38.2pp | 80.3%-40.3pp |
| Annual return | 12.32% | 61.31%-49.0pp | 64.84%-52.5pp | 552.29%-540.0pp |
| Employer contribution / active EE | $3,460 | $5,315-34.9% | $4,675-26.0% | $4,663-25.8% |
| Participant deferral / active EE | $5,185 | $6,467-19.8% | $5,631-7.9% | $6,689-22.5% |
| Admin fee / account holder | $1,667 | $19,275-91.4% | $15,885-89.5% | $13,390-87.5% |