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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 | $174,964 | $172,111+1.7% | $150,298+16.4% | $137,256+27.5% |
| Participation rate | 66.7% | 81.7%-15.0pp | 77.8%-11.1pp | 80.0%-13.3pp |
| Annual return | 17.13% | 69.37%-52.2pp | 62.79%-45.7pp | 220.34%-203.2pp |
| Employer contribution / active EE | $16,625 | $4,636+258.6% | $4,154+300.2% | $4,156+300.0% |
| Participant deferral / active EE | $11,684 | $6,166+89.5% | $5,453+114.3% | $6,407+82.4% |
| Admin fee / account holder | $4,132 | $16,471-74.9% | $14,116-70.7% | $12,270-66.3% |