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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 | $111,535+43.1% | $105,223+51.7% | $137,256+16.3% |
| Participation rate | 60.9% | 78.1%-17.2pp | 75.0%-14.2pp | 80.0%-19.1pp |
| Annual return | 14.43% | 237.85%-223.4pp | 180.65%-166.2pp | 220.34%-205.9pp |
| Employer contribution / active EE | $2,369 | $3,939-39.9% | $3,689-35.8% | $4,156-43.0% |
| Participant deferral / active EE | $5,117 | $5,500-7.0% | $5,072+0.9% | $6,407-20.1% |
| Admin fee / account holder | $1,070 | $9,721-89.0% | $8,859-87.9% | $12,270-91.3% |