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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 | $196,731 | $198,457-0.9% | $170,435+15.4% | $147,586+33.3% |
| Participation rate | 55.6% | 88.0%-32.4pp | 83.6%-28.0pp | 82.8%-27.3pp |
| Annual return | 17.80% | 257.30%-239.5pp | 205.94%-188.1pp | 578.59%-560.8pp |
| Employer contribution / active EE | $6,663 | $6,183+7.8% | $5,432+22.7% | $4,876+36.6% |
| Participant deferral / active EE | $5,676 | $5,629+0.8% | $4,939+14.9% | $5,439+4.4% |
| Admin fee / account holder | $2,078 | $16,852-87.7% | $13,881-85.0% | $10,886-80.9% |