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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 | $172,111-14.1% | $150,298-1.6% | $137,256+7.8% |
| Participation rate | 63.6% | 81.7%-18.1pp | 77.8%-14.1pp | 80.0%-16.3pp |
| Annual return | 17.42% | 69.37%-51.9pp | 62.79%-45.4pp | 220.34%-202.9pp |
| Employer contribution / active EE | $2,153 | $4,636-53.6% | $4,154-48.2% | $4,156-48.2% |
| Participant deferral / active EE | $4,129 | $6,166-33.0% | $5,453-24.3% | $6,407-35.6% |
| Admin fee / account holder | $3,211 | $16,471-80.5% | $14,116-77.3% | $12,270-73.8% |