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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 | $133,646 | $157,276-15.0% | $141,177-5.3% | $152,885-12.6% |
| Participation rate | 50.0% | 84.8%-34.8pp | 82.5%-32.5pp | 82.5%-32.5pp |
| Annual return | 16.29% | 64.33%-48.0pp | 71.40%-55.1pp | 345.39%-329.1pp |
| Employer contribution / active EE | $4,787 | $5,262-9.0% | $4,736+1.1% | $4,763+0.5% |
| Participant deferral / active EE | $4,922 | $7,110-30.8% | $6,710-26.6% | $5,851-15.9% |
| Admin fee / account holder | $486 | $12,123-96.0% | $10,263-95.3% | $11,598-95.8% |