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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 | $150,171 | $183,592-18.2% | $155,574-3.5% | $145,877+2.9% |
| Participation rate | 40.0% | 82.7%-42.7pp | 78.2%-38.2pp | 80.3%-40.3pp |
| Annual return | 12.32% | 61.37%-49.1pp | 64.87%-52.5pp | 551.28%-539.0pp |
| Employer contribution / active EE | $3,460 | $5,317-34.9% | $4,676-26.0% | $4,663-25.8% |
| Participant deferral / active EE | $5,185 | $6,466-19.8% | $5,629-7.9% | $6,691-22.5% |
| Admin fee / account holder | $1,667 | $19,316-91.4% | $15,914-89.5% | $13,402-87.6% |