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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 | $177,630 | $198,461-10.5% | $170,436+4.2% | $147,585+20.4% |
| Participation rate | 69.2% | 88.0%-18.7pp | 83.6%-14.4pp | 82.8%-13.6pp |
| Annual return | 18.75% | 257.30%-238.5pp | 205.94%-187.2pp | 578.57%-559.8pp |
| Employer contribution / active EE | $3,155 | $6,184-49.0% | $5,433-41.9% | $4,876-35.3% |
| Participant deferral / active EE | $7,393 | $5,629+31.3% | $4,939+49.7% | $5,439+35.9% |
| Admin fee / account holder | $558 | $16,852-96.7% | $13,880-96.0% | $10,885-94.9% |