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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 | $144,250 | $111,535+29.3% | $105,223+37.1% | $137,256+5.1% |
| Participation rate | 52.4% | 78.1%-25.7pp | 75.0%-22.7pp | 80.0%-27.6pp |
| Annual return | 16.89% | 237.85%-221.0pp | 180.65%-163.8pp | 220.34%-203.5pp |
| Employer contribution / active EE | $1,530 | $3,939-61.2% | $3,689-58.5% | $4,156-63.2% |
| Participant deferral / active EE | $5,133 | $5,500-6.7% | $5,072+1.2% | $6,407-19.9% |
| Admin fee / account holder | $14,858 | $9,721+52.8% | $8,859+67.7% | $12,270+21.1% |