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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 | $226,890 | $176,120+28.8% | $159,487+42.3% | $167,553+35.4% |
| Participation rate | 62.5% | 85.0%-22.5pp | 82.8%-20.3pp | 82.1%-19.6pp |
| Annual return | 12.78% | 331.95%-319.2pp | 263.71%-250.9pp | 478.89%-466.1pp |
| Employer contribution / active EE | $2,078 | $5,299-60.8% | $4,831-57.0% | $4,840-57.1% |
| Participant deferral / active EE | $7,076 | $7,752-8.7% | $7,354-3.8% | $6,343+11.6% |
| Admin fee / account holder | $945 | $12,561-92.5% | $10,804-91.2% | $12,316-92.3% |