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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 | $182,178 | $157,296+15.8% | $141,191+29.0% | $152,897+19.2% |
| Participation rate | 66.7% | 84.8%-18.2pp | 82.5%-15.8pp | 82.5%-15.8pp |
| Annual return | 30.67% | 64.34%-33.7pp | 71.41%-40.7pp | 345.43%-314.8pp |
| Employer contribution / active EE | $3,776 | $5,262-28.2% | $4,736-20.3% | $4,764-20.7% |
| Participant deferral / active EE | $5,245 | $7,111-26.2% | $6,710-21.8% | $5,851-10.4% |
| Admin fee / account holder | $17,801 | $12,125+46.8% | $10,264+73.4% | $11,599+53.5% |