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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 | $160,262 | $165,399-3.1% | $149,745+7.0% | $158,982+0.8% |
| Participation rate | 66.7% | 84.6%-17.9pp | 82.5%-15.8pp | 82.0%-15.3pp |
| Annual return | 25.57% | 348.34%-322.8pp | 276.72%-251.2pp | 302.99%-277.4pp |
| Employer contribution / active EE | $0 | $5,105-100.0% | $4,646-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $3,899 | $7,183-45.7% | $6,843-43.0% | $5,983-34.8% |
| Admin fee / account holder | $12,176 | $10,811+12.6% | $9,312+30.8% | $11,252+8.2% |