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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 | $169,697 | $157,304+7.9% | $141,197+20.2% | $152,909+11.0% |
| Participation rate | 66.7% | 84.8%-18.2pp | 82.5%-15.8pp | 82.5%-15.8pp |
| Annual return | 33.00% | 64.34%-31.3pp | 71.41%-38.4pp | 345.46%-312.5pp |
| Employer contribution / active EE | $5,516 | $5,263+4.8% | $4,736+16.5% | $4,764+15.8% |
| Participant deferral / active EE | $8,631 | $7,111+21.4% | $6,710+28.6% | $5,851+47.5% |
| Admin fee / account holder | $16,585 | $12,126+36.8% | $10,265+61.6% | $11,601+43.0% |