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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 | $145,279 | $129,737+12.0% | $119,126+22.0% | $154,746-6.1% |
| Participation rate | 54.2% | 78.9%-24.7pp | 75.8%-21.6pp | 80.7%-26.5pp |
| Annual return | 15.71% | 379.08%-363.4pp | 282.11%-266.4pp | 172.34%-156.6pp |
| Employer contribution / active EE | $3,044 | $4,375-30.4% | $4,034-24.5% | $4,379-30.5% |
| Participant deferral / active EE | $6,659 | $5,842+14.0% | $5,318+25.2% | $6,730-1.1% |
| Admin fee / account holder | $17,633 | $11,961+47.4% | $10,693+64.9% | $14,365+22.7% |