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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 | $193,865 | $172,111+12.6% | $150,298+29.0% | $137,256+41.2% |
| Participation rate | 66.7% | 81.7%-15.0pp | 77.8%-11.1pp | 80.0%-13.3pp |
| Annual return | 13.96% | 69.37%-55.4pp | 62.79%-48.8pp | 220.34%-206.4pp |
| Employer contribution / active EE | $2,776 | $4,636-40.1% | $4,154-33.2% | $4,156-33.2% |
| Participant deferral / active EE | $6,402 | $6,166+3.8% | $5,453+17.4% | $6,407-0.1% |
| Admin fee / account holder | $1,627 | $16,471-90.1% | $14,116-88.5% | $12,270-86.7% |