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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 | $125,966 | $51,638+143.9% | $68,368+84.2% | $82,448+52.8% |
| Participation rate | 43.3% | 63.6%-20.3pp | 73.8%-30.4pp | 68.1%-24.7pp |
| Annual return | 17.31% | 37.53%-20.2pp | 292.57%-275.3pp | 41.64%-24.3pp |
| Employer contribution / active EE | $2,214 | $2,047+8.2% | $2,649-16.4% | $2,551-13.2% |
| Participant deferral / active EE | $5,770 | $2,914+98.1% | $4,123+40.0% | $4,139+39.4% |
| Admin fee / account holder | $2,809 | $4,643-39.5% | $5,150-45.5% | $7,234-61.2% |