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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 | $147,907 | $227,399-35.0% | $189,758-22.1% | $198,609-25.5% |
| Participation rate | 63.6% | 84.0%-20.4pp | 79.8%-16.2pp | 82.4%-18.7pp |
| Annual return | 17.42% | 61.03%-43.6pp | 52.62%-35.2pp | 202.70%-185.3pp |
| Employer contribution / active EE | $2,153 | $5,526-61.0% | $4,767-54.8% | $5,055-57.4% |
| Participant deferral / active EE | $4,129 | $6,837-39.6% | $5,856-29.5% | $6,977-40.8% |
| Admin fee / account holder | $3,211 | $25,162-87.2% | $20,388-84.3% | $19,030-83.1% |