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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 | $134,817+18.4% | $123,973+28.7% | $155,188+2.8% |
| Participation rate | 60.9% | 79.4%-18.5pp | 76.7%-15.8pp | 80.8%-19.9pp |
| Annual return | 14.43% | 515.49%-501.1pp | 388.13%-373.7pp | 148.84%-134.4pp |
| Employer contribution / active EE | $2,369 | $4,425-46.5% | $4,126-42.6% | $4,248-44.2% |
| Participant deferral / active EE | $5,117 | $5,706-10.3% | $5,247-2.5% | $6,531-21.6% |
| Admin fee / account holder | $1,070 | $13,245-91.9% | $11,799-90.9% | $14,480-92.6% |