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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 | $211,345 | $108,882+94.1% | $96,754+118.4% | $154,746+36.6% |
| Participation rate | 69.2% | 75.1%-5.9pp | 70.3%-1.0pp | 80.7%-11.5pp |
| Annual return | 14.50% | 98.39%-83.9pp | 82.04%-67.5pp | 172.34%-157.8pp |
| Employer contribution / active EE | $3,422 | $3,018+13.4% | $2,679+27.7% | $4,379-21.8% |
| Participant deferral / active EE | $8,624 | $5,323+62.0% | $4,758+81.3% | $6,730+28.1% |
| Admin fee / account holder | $11,610 | $10,200+13.8% | $8,905+30.4% | $14,365-19.2% |