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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 | $174,379-15.2% | $152,093-2.8% | $138,895+6.5% |
| Participation rate | 63.6% | 81.6%-18.0pp | 77.8%-14.1pp | 79.9%-16.3pp |
| Annual return | 17.42% | 74.86%-57.4pp | 66.36%-48.9pp | 145.39%-128.0pp |
| Employer contribution / active EE | $2,153 | $4,652-53.7% | $4,175-48.4% | $4,194-48.7% |
| Participant deferral / active EE | $4,129 | $6,159-33.0% | $5,451-24.3% | $6,396-35.5% |
| Admin fee / account holder | $3,211 | $16,880-81.0% | $14,497-77.9% | $12,562-74.4% |