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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 | $218,069 | $175,259+24.4% | $149,723+45.6% | $139,487+56.3% |
| Participation rate | 66.7% | 83.4%-16.7pp | 78.8%-12.1pp | 80.3%-13.7pp |
| Annual return | 21.11% | 166.82%-145.7pp | 134.50%-113.4pp | 373.84%-352.7pp |
| Employer contribution / active EE | $3,629 | $5,478-33.8% | $4,821-24.7% | $4,755-23.7% |
| Participant deferral / active EE | $8,052 | $6,522+23.5% | $5,682+41.7% | $6,713+20.0% |
| Admin fee / account holder | $3,401 | $16,158-79.0% | $13,215-74.3% | $11,407-70.2% |