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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 | $150,543 | $111,535+35.0% | $105,223+43.1% | $137,256+9.7% |
| Participation rate | 66.7% | 78.1%-11.4pp | 75.0%-8.4pp | 80.0%-13.3pp |
| Annual return | 18.23% | 237.85%-219.6pp | 180.65%-162.4pp | 220.34%-202.1pp |
| Employer contribution / active EE | $2,842 | $3,939-27.9% | $3,689-23.0% | $4,156-31.6% |
| Participant deferral / active EE | $6,242 | $5,500+13.5% | $5,072+23.1% | $6,407-2.6% |
| Admin fee / account holder | $2,500 | $9,721-74.3% | $8,859-71.8% | $12,270-79.6% |