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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 | $156,636 | $124,330+26.0% | $109,173+43.5% | $167,536-6.5% |
| Participation rate | 62.5% | 79.5%-17.0pp | 75.9%-13.4pp | 82.1%-19.6pp |
| Annual return | 15.41% | 26.04%-10.6pp | 25.75%-10.3pp | 478.82%-463.4pp |
| Employer contribution / active EE | $5,749 | $4,209+36.6% | $3,723+54.4% | $4,839+18.8% |
| Participant deferral / active EE | $8,512 | $5,256+61.9% | $4,654+82.9% | $6,342+34.2% |
| Admin fee / account holder | $12,411 | $7,974+55.6% | $6,755+83.7% | $12,315+0.8% |