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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 | $178,053 | $227,291-21.7% | $214,702-17.1% | $155,188+14.7% |
| Participation rate | 66.7% | 88.0%-21.3pp | 87.5%-20.8pp | 80.8%-14.1pp |
| Annual return | 22.27% | 60.08%-37.8pp | 54.55%-32.3pp | 148.84%-126.6pp |
| Employer contribution / active EE | $11,187 | $6,772+65.2% | $6,461+73.2% | $4,248+163.4% |
| Participant deferral / active EE | $12,322 | $9,582+28.6% | $9,147+34.7% | $6,531+88.7% |
| Admin fee / account holder | $1,132 | $20,413-94.5% | $19,830-94.3% | $14,480-92.2% |