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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 | $160,331 | $111,535+43.7% | $105,223+52.4% | $137,256+16.8% |
| Participation rate | 60.0% | 78.1%-18.1pp | 75.0%-15.0pp | 80.0%-20.0pp |
| Annual return | 18.75% | 237.85%-219.1pp | 180.65%-161.9pp | 220.34%-201.6pp |
| Employer contribution / active EE | $3,831 | $3,939-2.8% | $3,689+3.9% | $4,156-7.8% |
| Participant deferral / active EE | $5,255 | $5,500-4.5% | $5,072+3.6% | $6,407-18.0% |
| Admin fee / account holder | $2,494 | $9,721-74.3% | $8,859-71.8% | $12,270-79.7% |