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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 | $179,895 | $144,130+24.8% | $117,861+52.6% | $147,586+21.9% |
| Participation rate | 66.7% | 83.4%-16.8pp | 79.7%-13.0pp | 82.8%-16.2pp |
| Annual return | 22.32% | 531.20%-508.9pp | 335.11%-312.8pp | 578.59%-556.3pp |
| Employer contribution / active EE | $26,246 | $4,897+436.0% | $3,786+593.2% | $4,876+438.2% |
| Participant deferral / active EE | $12,000 | $5,316+125.7% | $4,482+167.7% | $5,439+120.6% |
| Admin fee / account holder | $3,313 | $10,887-69.6% | $8,021-58.7% | $10,886-69.6% |