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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 | $97,125+117.6% | $86,233+145.1% | $137,256+54.0% |
| Participation rate | 69.2% | 74.2%-5.0pp | 69.0%+0.2pp | 80.0%-10.7pp |
| Annual return | 14.50% | 74.19%-59.7pp | 61.39%-46.9pp | 220.34%-205.8pp |
| Employer contribution / active EE | $3,422 | $2,841+20.5% | $2,504+36.7% | $4,156-17.7% |
| Participant deferral / active EE | $8,624 | $5,180+66.5% | $4,559+89.2% | $6,407+34.6% |
| Admin fee / account holder | $11,610 | $9,725+19.4% | $8,342+39.2% | $12,270-5.4% |