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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 | $156,348 | $175,231-10.8% | $149,696+4.4% | $139,466+12.1% |
| Participation rate | 63.6% | 83.4%-19.8pp | 78.8%-15.1pp | 80.3%-16.7pp |
| Annual return | 31.71% | 166.77%-135.1pp | 134.46%-102.7pp | 373.66%-342.0pp |
| Employer contribution / active EE | $9,484 | $5,478+73.1% | $4,821+96.7% | $4,754+99.5% |
| Participant deferral / active EE | $4,209 | $6,521-35.5% | $5,682-25.9% | $6,712-37.3% |
| Admin fee / account holder | $821 | $16,155-94.9% | $13,212-93.8% | $11,409-92.8% |