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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 | $201,469 | $211,288-4.6% | $178,540+12.8% | $145,884+38.1% |
| Participation rate | 66.7% | 80.8%-14.1pp | 77.1%-10.4pp | 80.3%-13.6pp |
| Annual return | 14.27% | 30.27%-16.0pp | 27.15%-12.9pp | 551.85%-537.6pp |
| Employer contribution / active EE | $8,151 | $4,574+78.2% | $3,953+106.2% | $4,662+74.8% |
| Participant deferral / active EE | $11,088 | $6,967+59.2% | $6,281+76.5% | $6,690+65.7% |
| Admin fee / account holder | $958 | $12,105-92.1% | $10,424-90.8% | $13,392-92.8% |