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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 | $116,687 | $111,535+4.6% | $105,223+10.9% | $137,256-15.0% |
| Participation rate | 42.9% | 78.1%-35.2pp | 75.0%-32.2pp | 80.0%-37.1pp |
| Annual return | 49.65% | 237.85%-188.2pp | 180.65%-131.0pp | 220.34%-170.7pp |
| Employer contribution / active EE | $3,109 | $3,939-21.1% | $3,689-15.7% | $4,156-25.2% |
| Participant deferral / active EE | $9,657 | $5,500+75.6% | $5,072+90.4% | $6,407+50.7% |
| Admin fee / account holder | $2,207 | $9,721-77.3% | $8,859-75.1% | $12,270-82.0% |