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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 | $111,535+30.3% | $105,223+38.1% | $137,256+5.8% |
| Participation rate | 54.2% | 78.1%-23.9pp | 75.0%-20.9pp | 80.0%-25.8pp |
| Annual return | 15.71% | 237.85%-222.1pp | 180.65%-164.9pp | 220.34%-204.6pp |
| Employer contribution / active EE | $3,044 | $3,939-22.7% | $3,689-17.5% | $4,156-26.8% |
| Participant deferral / active EE | $6,659 | $5,500+21.1% | $5,072+31.3% | $6,407+3.9% |
| Admin fee / account holder | $17,633 | $9,721+81.4% | $8,859+99.0% | $12,270+43.7% |