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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 | $174,379+31.1% | $152,093+50.3% | $138,895+64.6% |
| Participation rate | 54.5% | 81.6%-27.1pp | 77.8%-23.2pp | 79.9%-25.4pp |
| Annual return | 17.23% | 74.86%-57.6pp | 66.36%-49.1pp | 145.39%-128.2pp |
| Employer contribution / active EE | $2,275 | $4,652-51.1% | $4,175-45.5% | $4,194-45.8% |
| Participant deferral / active EE | $4,574 | $6,159-25.7% | $5,451-16.1% | $6,396-28.5% |
| Admin fee / account holder | $1,461 | $16,880-91.3% | $14,497-89.9% | $12,562-88.4% |