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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 | $129,737+48.1% | $119,126+61.3% | $154,746+24.1% |
| Participation rate | 68.4% | 78.9%-10.4pp | 75.8%-7.3pp | 80.7%-12.3pp |
| Annual return | 15.19% | 379.08%-363.9pp | 282.11%-266.9pp | 172.34%-157.1pp |
| Employer contribution / active EE | $4,331 | $4,375-1.0% | $4,034+7.4% | $4,379-1.1% |
| Participant deferral / active EE | $6,223 | $5,842+6.5% | $5,318+17.0% | $6,730-7.5% |
| Admin fee / account holder | $1,787 | $11,961-85.1% | $10,693-83.3% | $14,365-87.6% |