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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 | $156,756 | $172,111-8.9% | $150,298+4.3% | $137,256+14.2% |
| Participation rate | 63.6% | 81.7%-18.1pp | 77.8%-14.1pp | 80.0%-16.3pp |
| Annual return | 16.97% | 69.37%-52.4pp | 62.79%-45.8pp | 220.34%-203.4pp |
| Employer contribution / active EE | $1,061 | $4,636-77.1% | $4,154-74.5% | $4,156-74.5% |
| Participant deferral / active EE | $10,611 | $6,166+72.1% | $5,453+94.6% | $6,407+65.6% |
| Admin fee / account holder | $642 | $16,471-96.1% | $14,116-95.5% | $12,270-94.8% |