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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 | $149,845 | $183,592-18.4% | $155,567-3.7% | $145,959+2.7% |
| Participation rate | 57.1% | 82.7%-25.5pp | 78.2%-21.1pp | 80.3%-23.1pp |
| Annual return | 18.68% | 61.24%-42.6pp | 64.74%-46.1pp | 561.95%-543.3pp |
| Employer contribution / active EE | $2,484 | $5,315-53.3% | $4,674-46.9% | $4,661-46.7% |
| Participant deferral / active EE | $5,725 | $6,464-11.4% | $5,628+1.7% | $6,689-14.4% |
| Admin fee / account holder | $2,319 | $19,318-88.0% | $15,916-85.4% | $13,398-82.7% |