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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 | $149,946 | $165,399-9.3% | $149,745+0.1% | $158,982-5.7% |
| Participation rate | 68.8% | 84.6%-15.8pp | 82.5%-13.7pp | 82.0%-13.2pp |
| Annual return | 27.45% | 348.34%-320.9pp | 276.72%-249.3pp | 302.99%-275.5pp |
| Employer contribution / active EE | $1,420 | $5,105-72.2% | $4,646-69.4% | $4,763-70.2% |
| Participant deferral / active EE | $4,694 | $7,183-34.7% | $6,843-31.4% | $5,983-21.6% |
| Admin fee / account holder | $497 | $10,811-95.4% | $9,312-94.7% | $11,252-95.6% |