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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 | $175,529 | $148,629+18.1% | $135,982+29.1% | $139,487+25.8% |
| Participation rate | 60.0% | 83.9%-23.9pp | 81.9%-21.9pp | 80.3%-20.3pp |
| Annual return | 15.96% | 79.33%-63.4pp | 68.32%-52.4pp | 373.84%-357.9pp |
| Employer contribution / active EE | $4,546 | $5,247-13.3% | $4,859-6.4% | $4,755-4.4% |
| Participant deferral / active EE | $16,852 | $8,102+108.0% | $7,760+117.2% | $6,713+151.0% |
| Admin fee / account holder | $1,647 | $12,406-86.7% | $10,767-84.7% | $11,407-85.6% |