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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 | $202,457 | $175,231+15.5% | $149,696+35.2% | $139,466+45.2% |
| Participation rate | 53.3% | 83.4%-30.1pp | 78.8%-25.4pp | 80.3%-27.0pp |
| Annual return | 16.89% | 166.77%-149.9pp | 134.46%-117.6pp | 373.66%-356.8pp |
| Employer contribution / active EE | $3,649 | $5,478-33.4% | $4,821-24.3% | $4,754-23.2% |
| Participant deferral / active EE | $3,928 | $6,521-39.8% | $5,682-30.9% | $6,712-41.5% |
| Admin fee / account holder | $2,122 | $16,155-86.9% | $13,212-83.9% | $11,409-81.4% |