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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 | $187,231 | $175,231+6.8% | $149,696+25.1% | $139,466+34.2% |
| Participation rate | 63.2% | 83.4%-20.2pp | 78.8%-15.6pp | 80.3%-17.2pp |
| Annual return | 17.54% | 166.77%-149.2pp | 134.46%-116.9pp | 373.66%-356.1pp |
| Employer contribution / active EE | $6,154 | $5,478+12.3% | $4,821+27.7% | $4,754+29.4% |
| Participant deferral / active EE | $5,636 | $6,521-13.6% | $5,682-0.8% | $6,712-16.0% |
| Admin fee / account holder | $2,862 | $16,155-82.3% | $13,212-78.3% | $11,409-74.9% |