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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 | $155,341 | $183,516-15.4% | $155,534-0.1% | $145,884+6.5% |
| Participation rate | 60.0% | 82.7%-22.7pp | 78.2%-18.2pp | 80.3%-20.3pp |
| Annual return | 70.95% | 61.43%+9.5pp | 64.92%+6.0pp | 551.85%-480.9pp |
| Employer contribution / active EE | $1,632 | $5,315-69.3% | $4,675-65.1% | $4,662-65.0% |
| Participant deferral / active EE | $3,212 | $6,467-50.3% | $5,630-43.0% | $6,690-52.0% |
| Admin fee / account holder | $13,105 | $19,293-32.1% | $15,900-17.6% | $13,392-2.1% |