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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 | $192,110 | $111,535+72.2% | $105,223+82.6% | $137,256+40.0% |
| Participation rate | 68.4% | 78.1%-9.7pp | 75.0%-6.6pp | 80.0%-11.5pp |
| Annual return | 15.19% | 237.85%-222.7pp | 180.65%-165.5pp | 220.34%-205.1pp |
| Employer contribution / active EE | $4,331 | $3,939+9.9% | $3,689+17.4% | $4,156+4.2% |
| Participant deferral / active EE | $6,223 | $5,500+13.2% | $5,072+22.7% | $6,407-2.9% |
| Admin fee / account holder | $1,787 | $9,721-81.6% | $8,859-79.8% | $12,270-85.4% |