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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 | $181,718 | $176,120+3.2% | $159,487+13.9% | $167,553+8.5% |
| Participation rate | 66.7% | 85.0%-18.3pp | 82.8%-16.2pp | 82.1%-15.4pp |
| Annual return | 15.93% | 331.95%-316.0pp | 263.71%-247.8pp | 478.89%-463.0pp |
| Employer contribution / active EE | $5,954 | $5,299+12.4% | $4,831+23.2% | $4,840+23.0% |
| Participant deferral / active EE | $17,334 | $7,752+123.6% | $7,354+135.7% | $6,343+173.3% |
| Admin fee / account holder | $1,956 | $12,561-84.4% | $10,804-81.9% | $12,316-84.1% |