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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 | $212,499 | $165,381+28.5% | $149,730+41.9% | $158,966+33.7% |
| Participation rate | 68.8% | 84.6%-15.8pp | 82.5%-13.7pp | 82.0%-13.2pp |
| Annual return | 19.85% | 348.29%-328.4pp | 276.70%-256.9pp | 302.95%-283.1pp |
| Employer contribution / active EE | $5,855 | $5,104+14.7% | $4,645+26.1% | $4,762+22.9% |
| Participant deferral / active EE | $6,333 | $7,182-11.8% | $6,843-7.4% | $5,983+5.9% |
| Admin fee / account holder | $1,592 | $10,809-85.3% | $9,310-82.9% | $11,250-85.8% |