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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 | $120,336 | $106,923+12.5% | $84,023+43.2% | $152,909-21.3% |
| Participation rate | 54.2% | 75.3%-21.1pp | 69.0%-14.9pp | 82.5%-28.3pp |
| Annual return | 11.36% | 105.02%-93.7pp | 71.32%-60.0pp | 345.46%-334.1pp |
| Employer contribution / active EE | $4,214 | $2,735+54.1% | $1,984+112.4% | $4,764-11.5% |
| Participant deferral / active EE | $9,479 | $4,013+136.2% | $3,239+192.6% | $5,851+62.0% |
| Admin fee / account holder | $16,242 | $8,289+96.0% | $6,102+166.2% | $11,601+40.0% |