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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 | $159,474 | $182,442-12.6% | $163,379-2.4% | $138,895+14.8% |
| Participation rate | 33.3% | 79.8%-46.4pp | 76.8%-43.5pp | 79.9%-46.6pp |
| Annual return | 23.80% | 72.74%-48.9pp | 63.41%-39.6pp | 145.39%-121.6pp |
| Employer contribution / active EE | $8,743 | $4,159+110.2% | $3,752+133.0% | $4,194+108.5% |
| Participant deferral / active EE | $15,500 | $6,817+127.4% | $6,282+146.8% | $6,396+142.3% |
| Admin fee / account holder | $4,305 | $10,396-58.6% | $9,818-56.2% | $12,562-65.7% |