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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 | $160,471 | $95,415+68.2% | $185,851-13.7% | $85,851+86.9% |
| Participation rate | 67.7% | 68.8%-1.0pp | 81.7%-14.0pp | 69.3%-1.6pp |
| Annual return | 15.22% | 23.59%-8.4pp | 122.11%-106.9pp | 318.63%-303.4pp |
| Employer contribution / active EE | $5,196 | $3,314+56.8% | $5,168+0.5% | $2,565+102.6% |
| Participant deferral / active EE | $5,061 | $3,424+47.8% | $5,569-9.1% | $3,952+28.1% |
| Admin fee / account holder | $602 | $7,215-91.7% | $16,245-96.3% | $6,261-90.4% |