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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 | $228,649 | $181,062+26.3% | $158,223+44.5% | $155,188+47.3% |
| Participation rate | 54.5% | 82.7%-28.1pp | 79.2%-24.7pp | 80.8%-26.3pp |
| Annual return | 17.23% | 57.39%-40.2pp | 52.09%-34.9pp | 148.84%-131.6pp |
| Employer contribution / active EE | $2,275 | $4,565-50.2% | $4,109-44.6% | $4,248-46.4% |
| Participant deferral / active EE | $4,574 | $6,134-25.4% | $5,467-16.3% | $6,531-30.0% |
| Admin fee / account holder | $1,461 | $18,825-92.2% | $16,047-90.9% | $14,480-89.9% |