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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 | $129,722 | $102,938+26.0% | $94,105+37.8% | $138,895-6.6% |
| Participation rate | 61.5% | 74.6%-13.1pp | 71.9%-10.4pp | 79.9%-18.4pp |
| Annual return | 16.84% | 250.28%-233.4pp | 204.55%-187.7pp | 145.39%-128.6pp |
| Employer contribution / active EE | $2,141 | $2,732-21.6% | $2,504-14.5% | $4,194-48.9% |
| Participant deferral / active EE | $4,126 | $4,196-1.7% | $3,881+6.3% | $6,396-35.5% |
| Admin fee / account holder | $27,377 | $6,600+314.8% | $6,199+341.6% | $12,562+117.9% |