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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 | $160,433 | $183,627-12.6% | $155,602+3.1% | $145,978+9.9% |
| Participation rate | 57.1% | 82.7%-25.5pp | 78.2%-21.1pp | 80.3%-23.1pp |
| Annual return | 10.12% | 61.32%-51.2pp | 64.81%-54.7pp | 550.52%-540.4pp |
| Employer contribution / active EE | $1,178 | $5,316-77.8% | $4,675-74.8% | $4,662-74.7% |
| Participant deferral / active EE | $4,830 | $6,466-25.3% | $5,629-14.2% | $6,690-27.8% |
| Admin fee / account holder | $1,922 | $19,327-90.1% | $15,923-87.9% | $13,400-85.7% |