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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 | $182,854 | $129,737+40.9% | $119,126+53.5% | $154,746+18.2% |
| Participation rate | 50.0% | 78.9%-28.9pp | 75.8%-25.8pp | 80.7%-30.7pp |
| Annual return | 16.54% | 379.08%-362.5pp | 282.11%-265.6pp | 172.34%-155.8pp |
| Employer contribution / active EE | $3,652 | $4,375-16.5% | $4,034-9.5% | $4,379-16.6% |
| Participant deferral / active EE | $3,787 | $5,842-35.2% | $5,318-28.8% | $6,730-43.7% |
| Admin fee / account holder | $10,184 | $11,961-14.9% | $10,693-4.8% | $14,365-29.1% |