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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 | $111,421 | $202,463-45.0% | $169,397-34.2% | $139,487-20.1% |
| Participation rate | 64.3% | 81.1%-16.8pp | 77.2%-12.9pp | 80.3%-16.1pp |
| Annual return | 13.58% | 532.64%-519.1pp | 406.23%-392.7pp | 373.84%-360.3pp |
| Employer contribution / active EE | $12,810 | $4,694+172.9% | $4,013+219.2% | $4,755+169.4% |
| Participant deferral / active EE | $7,337 | $6,941+5.7% | $6,223+17.9% | $6,713+9.3% |
| Admin fee / account holder | $633 | $10,726-94.1% | $9,017-93.0% | $11,407-94.4% |