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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 | $226,138 | $165,381+36.7% | $149,730+51.0% | $158,966+42.3% |
| Participation rate | 33.3% | 84.6%-51.2pp | 82.5%-49.1pp | 82.0%-48.6pp |
| Annual return | 19.78% | 348.29%-328.5pp | 276.70%-256.9pp | 302.95%-283.2pp |
| Employer contribution / active EE | $12,500 | $5,104+144.9% | $4,645+169.1% | $4,762+162.5% |
| Participant deferral / active EE | $8,667 | $7,182+20.7% | $6,843+26.7% | $5,983+44.9% |
| Admin fee / account holder | $959 | $10,809-91.1% | $9,310-89.7% | $11,250-91.5% |