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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 | $186,939 | $166,268+12.4% | $165,100+13.2% | $145,897+28.1% |
| Participation rate | 62.5% | 82.0%-19.5pp | 78.6%-16.1pp | 80.3%-17.8pp |
| Annual return | 16.78% | 100.52%-83.7pp | 70.21%-53.4pp | 552.29%-535.5pp |
| Employer contribution / active EE | $1,334 | $5,284-74.8% | $4,348-69.3% | $4,663-71.4% |
| Participant deferral / active EE | $2,218 | $6,964-68.2% | $6,035-63.2% | $6,689-66.8% |
| Admin fee / account holder | $6,940 | $16,659-58.3% | $12,696-45.3% | $13,390-48.2% |