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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 | $130,296 | $154,228-15.5% | $145,433-10.4% | $137,256-5.1% |
| Participation rate | 52.2% | 83.8%-31.6pp | 82.1%-29.9pp | 80.0%-27.8pp |
| Annual return | 16.04% | 74.59%-58.5pp | 66.58%-50.5pp | 220.34%-204.3pp |
| Employer contribution / active EE | $2,550 | $4,804-46.9% | $4,554-44.0% | $4,156-38.6% |
| Participant deferral / active EE | $3,146 | $8,216-61.7% | $7,897-60.2% | $6,407-50.9% |
| Admin fee / account holder | $13,857 | $14,344-3.4% | $13,129+5.5% | $12,270+12.9% |