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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 | $114,119+30.5% | $107,187+38.9% | $138,895+7.2% |
| Participation rate | 57.1% | 78.1%-20.9pp | 75.0%-17.9pp | 79.9%-22.8pp |
| Annual return | 17.80% | 273.21%-255.4pp | 204.55%-186.7pp | 145.39%-127.6pp |
| Employer contribution / active EE | $2,442 | $4,059-39.8% | $3,782-35.4% | $4,194-41.8% |
| Participant deferral / active EE | $5,913 | $5,538+6.8% | $5,096+16.0% | $6,396-7.5% |
| Admin fee / account holder | $5,230 | $10,024-47.8% | $9,162-42.9% | $12,562-58.4% |