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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 | $164,584 | $175,231-6.1% | $149,696+9.9% | $139,466+18.0% |
| Participation rate | 62.5% | 83.4%-20.9pp | 78.8%-16.3pp | 80.3%-17.8pp |
| Annual return | 18.24% | 166.77%-148.5pp | 134.46%-116.2pp | 373.66%-355.4pp |
| Employer contribution / active EE | $1,773 | $5,478-67.6% | $4,821-63.2% | $4,754-62.7% |
| Participant deferral / active EE | $10,339 | $6,521+58.5% | $5,682+82.0% | $6,712+54.0% |
| Admin fee / account holder | $18,023 | $16,155+11.6% | $13,212+36.4% | $11,409+58.0% |