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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 | $159,602 | $129,737+23.0% | $119,126+34.0% | $154,746+3.1% |
| Participation rate | 60.9% | 78.9%-18.0pp | 75.8%-14.9pp | 80.7%-19.8pp |
| Annual return | 14.43% | 379.08%-364.7pp | 282.11%-267.7pp | 172.34%-157.9pp |
| Employer contribution / active EE | $2,369 | $4,375-45.9% | $4,034-41.3% | $4,379-45.9% |
| Participant deferral / active EE | $5,117 | $5,842-12.4% | $5,318-3.8% | $6,730-24.0% |
| Admin fee / account holder | $1,070 | $11,961-91.1% | $10,693-90.0% | $14,365-92.5% |