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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 | $148,794 | $156,398-4.9% | $147,318+1.0% | $138,895+7.1% |
| Participation rate | 53.3% | 83.8%-30.4pp | 82.1%-28.7pp | 79.9%-26.6pp |
| Annual return | 19.28% | 78.75%-59.5pp | 70.43%-51.1pp | 145.39%-126.1pp |
| Employer contribution / active EE | $2,703 | $4,853-44.3% | $4,593-41.1% | $4,194-35.6% |
| Participant deferral / active EE | $3,844 | $8,237-53.3% | $7,906-51.4% | $6,396-39.9% |
| Admin fee / account holder | $15,455 | $14,976+3.2% | $13,708+12.8% | $12,562+23.0% |