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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 | $129,737+23.6% | $119,126+34.6% | $154,746+3.6% |
| Participation rate | 60.0% | 78.9%-18.9pp | 75.8%-15.8pp | 80.7%-20.7pp |
| Annual return | 18.75% | 379.08%-360.3pp | 282.11%-263.4pp | 172.34%-153.6pp |
| Employer contribution / active EE | $3,831 | $4,375-12.4% | $4,034-5.0% | $4,379-12.5% |
| Participant deferral / active EE | $5,255 | $5,842-10.0% | $5,318-1.2% | $6,730-21.9% |
| Admin fee / account holder | $2,494 | $11,961-79.1% | $10,693-76.7% | $14,365-82.6% |