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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 | $67,914 | $198,457-65.8% | $170,435-60.2% | $147,586-54.0% |
| Participation rate | 66.7% | 88.0%-21.3pp | 83.6%-16.9pp | 82.8%-16.2pp |
| Annual return | 15.46% | 257.30%-241.8pp | 205.94%-190.5pp | 578.59%-563.1pp |
| Employer contribution / active EE | $6,539 | $6,183+5.8% | $5,432+20.4% | $4,876+34.1% |
| Participant deferral / active EE | $16,985 | $5,629+201.7% | $4,939+243.9% | $5,439+212.3% |
| Admin fee / account holder | $15,951 | $16,852-5.4% | $13,881+14.9% | $10,886+46.5% |