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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 | $151,069 | $111,535+35.4% | $105,223+43.6% | $137,256+10.1% |
| Participation rate | 55.0% | 78.1%-23.1pp | 75.0%-20.0pp | 80.0%-25.0pp |
| Annual return | 17.19% | 237.85%-220.7pp | 180.65%-163.5pp | 220.34%-203.1pp |
| Employer contribution / active EE | $4,561 | $3,939+15.8% | $3,689+23.7% | $4,156+9.7% |
| Participant deferral / active EE | $5,526 | $5,500+0.5% | $5,072+8.9% | $6,407-13.8% |
| Admin fee / account holder | $36,253 | $9,721+272.9% | $8,859+309.2% | $12,270+195.5% |