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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 | $188,280 | $165,381+13.8% | $149,730+25.7% | $158,966+18.4% |
| Participation rate | 61.5% | 84.6%-23.0pp | 82.5%-20.9pp | 82.0%-20.4pp |
| Annual return | 9.42% | 348.29%-338.9pp | 276.70%-267.3pp | 302.95%-293.5pp |
| Employer contribution / active EE | $1,589 | $5,104-68.9% | $4,645-65.8% | $4,762-66.6% |
| Participant deferral / active EE | $2,651 | $7,182-63.1% | $6,843-61.3% | $5,983-55.7% |
| Admin fee / account holder | $19,205 | $10,809+77.7% | $9,310+106.3% | $11,250+70.7% |