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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 | $175,774 | $129,737+35.5% | $119,126+47.6% | $154,746+13.6% |
| Participation rate | 66.7% | 78.9%-12.2pp | 75.8%-9.1pp | 80.7%-14.0pp |
| Annual return | 16.26% | 379.08%-362.8pp | 282.11%-265.8pp | 172.34%-156.1pp |
| Employer contribution / active EE | $2,345 | $4,375-46.4% | $4,034-41.9% | $4,379-46.4% |
| Participant deferral / active EE | $3,904 | $5,842-33.2% | $5,318-26.6% | $6,730-42.0% |
| Admin fee / account holder | $13,772 | $11,961+15.1% | $10,693+28.8% | $14,365-4.1% |