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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 | $209,173 | $165,399+26.5% | $149,745+39.7% | $158,982+31.6% |
| Participation rate | 40.0% | 84.6%-44.6pp | 82.5%-42.5pp | 82.0%-42.0pp |
| Annual return | 14.59% | 348.34%-333.7pp | 276.72%-262.1pp | 302.99%-288.4pp |
| Employer contribution / active EE | $3,963 | $5,105-22.4% | $4,646-14.7% | $4,763-16.8% |
| Participant deferral / active EE | $5,365 | $7,183-25.3% | $6,843-21.6% | $5,983-10.3% |
| Admin fee / account holder | $21,312 | $10,811+97.1% | $9,312+128.9% | $11,252+89.4% |