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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 | $171,526 | $114,119+50.3% | $107,187+60.0% | $138,895+23.5% |
| Participation rate | 66.7% | 78.1%-11.4pp | 75.0%-8.4pp | 79.9%-13.3pp |
| Annual return | 13.60% | 273.21%-259.6pp | 204.55%-190.9pp | 145.39%-131.8pp |
| Employer contribution / active EE | $11,435 | $4,059+181.7% | $3,782+202.3% | $4,194+172.6% |
| Participant deferral / active EE | $11,473 | $5,538+107.2% | $5,096+125.1% | $6,396+79.4% |
| Admin fee / account holder | $25,484 | $10,024+154.2% | $9,162+178.1% | $12,562+102.9% |