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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 | $148,907 | $129,737+14.8% | $119,126+25.0% | $154,746-3.8% |
| Participation rate | 57.1% | 78.9%-21.7pp | 75.8%-18.6pp | 80.7%-23.6pp |
| Annual return | 17.80% | 379.08%-361.3pp | 282.11%-264.3pp | 172.34%-154.5pp |
| Employer contribution / active EE | $2,442 | $4,375-44.2% | $4,034-39.5% | $4,379-44.2% |
| Participant deferral / active EE | $5,913 | $5,842+1.2% | $5,318+11.2% | $6,730-12.1% |
| Admin fee / account holder | $5,230 | $11,961-56.3% | $10,693-51.1% | $14,365-63.6% |