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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 | $134,817+12.1% | $123,973+21.9% | $155,188-2.7% |
| Participation rate | 55.0% | 79.4%-24.4pp | 76.7%-21.7pp | 80.8%-25.8pp |
| Annual return | 17.19% | 515.49%-498.3pp | 388.13%-370.9pp | 148.84%-131.6pp |
| Employer contribution / active EE | $4,561 | $4,425+3.1% | $4,126+10.6% | $4,248+7.4% |
| Participant deferral / active EE | $5,526 | $5,706-3.2% | $5,247+5.3% | $6,531-15.4% |
| Admin fee / account holder | $36,253 | $13,245+173.7% | $11,799+207.3% | $14,480+150.4% |