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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 | $121,003 | $109,359+10.6% | $162,185-25.4% | $72,976+65.8% |
| Participation rate | 51.6% | 84.3%-32.6pp | 87.6%-35.9pp | 69.5%-17.9pp |
| Annual return | 171.28% | 25.46%+145.8pp | 115.61%+55.7pp | 81.02%+90.3pp |
| Employer contribution / active EE | $2,834 | $3,907-27.5% | $5,613-49.5% | $2,440+16.1% |
| Participant deferral / active EE | $4,637 | $5,481-15.4% | $7,297-36.5% | $3,608+28.5% |
| Admin fee / account holder | $7,491 | $7,972-6.0% | $10,844-30.9% | $5,124+46.2% |