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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 | $115,839 | $110,039+5.3% | $97,260+19.1% | $145,884-20.6% |
| Participation rate | 62.5% | 75.9%-13.4pp | 72.7%-10.2pp | 80.3%-17.8pp |
| Annual return | 14.59% | 244.44%-229.9pp | 75.54%-61.0pp | 551.85%-537.3pp |
| Employer contribution / active EE | $1,704 | $3,074-44.6% | $2,721-37.4% | $4,662-63.5% |
| Participant deferral / active EE | $3,007 | $4,674-35.7% | $4,262-29.4% | $6,690-55.1% |
| Admin fee / account holder | $13,519 | $6,204+117.9% | $5,640+139.7% | $13,392+0.9% |