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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 | $132,700 | $129,737+2.3% | $119,126+11.4% | $154,746-14.2% |
| Participation rate | 33.3% | 78.9%-45.5pp | 75.8%-42.4pp | 80.7%-47.4pp |
| Annual return | 15.31% | 379.08%-363.8pp | 282.11%-266.8pp | 172.34%-157.0pp |
| Employer contribution / active EE | $2,504 | $4,375-42.8% | $4,034-37.9% | $4,379-42.8% |
| Participant deferral / active EE | $4,914 | $5,842-15.9% | $5,318-7.6% | $6,730-27.0% |
| Admin fee / account holder | $6,451 | $11,961-46.1% | $10,693-39.7% | $14,365-55.1% |