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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 | $169,468 | $185,312-8.5% | $161,489+4.9% | $154,746+9.5% |
| Participation rate | 61.5% | 82.5%-20.9pp | 78.7%-17.2pp | 80.7%-19.2pp |
| Annual return | 13.98% | 103.84%-89.9pp | 89.72%-75.7pp | 172.34%-158.4pp |
| Employer contribution / active EE | $2,542 | $4,769-46.7% | $4,268-40.5% | $4,379-42.0% |
| Participant deferral / active EE | $5,803 | $6,350-8.6% | $5,630+3.1% | $6,730-13.8% |
| Admin fee / account holder | $3,511 | $18,654-81.2% | $16,006-78.1% | $14,365-75.6% |