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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 | $85,683 | $68,412+25.2% | $94,679-9.5% | $75,181+14.0% |
| Participation rate | 64.8% | 76.1%-11.3pp | 80.8%-16.0pp | 67.2%-2.4pp |
| Annual return | 16.52% | 616.91%-600.4pp | 156.75%-140.2pp | 160.69%-144.2pp |
| Employer contribution / active EE | $3,170 | $2,701+17.4% | $3,673-13.7% | $2,671+18.7% |
| Participant deferral / active EE | $7,524 | $6,537+15.1% | $7,417+1.4% | $4,126+82.4% |
| Admin fee / account holder | $10,894 | $5,326+104.6% | $7,233+50.6% | $5,650+92.8% |