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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 | $166,909 | $114,119+46.3% | $107,187+55.7% | $138,895+20.2% |
| Participation rate | 66.7% | 78.1%-11.4pp | 75.0%-8.4pp | 79.9%-13.3pp |
| Annual return | 17.99% | 273.21%-255.2pp | 204.55%-186.6pp | 145.39%-127.4pp |
| Employer contribution / active EE | $3,316 | $4,059-18.3% | $3,782-12.3% | $4,194-20.9% |
| Participant deferral / active EE | $5,831 | $5,538+5.3% | $5,096+14.4% | $6,396-8.8% |
| Admin fee / account holder | $5,586 | $10,024-44.3% | $9,162-39.0% | $12,562-55.5% |