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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 | $172,740 | $156,398+10.4% | $147,318+17.3% | $138,895+24.4% |
| Participation rate | 66.7% | 83.8%-17.1pp | 82.1%-15.4pp | 79.9%-13.3pp |
| Annual return | 17.84% | 78.75%-60.9pp | 70.43%-52.6pp | 145.39%-127.6pp |
| Employer contribution / active EE | $1,554 | $4,853-68.0% | $4,593-66.2% | $4,194-63.0% |
| Participant deferral / active EE | $5,657 | $8,237-31.3% | $7,906-28.5% | $6,396-11.6% |
| Admin fee / account holder | $1,906 | $14,976-87.3% | $13,708-86.1% | $12,562-84.8% |