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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 | $207,008 | $165,381+25.2% | $149,730+38.3% | $158,966+30.2% |
| Participation rate | 69.6% | 84.6%-15.0pp | 82.5%-12.9pp | 82.0%-12.4pp |
| Annual return | 16.55% | 348.29%-331.7pp | 276.70%-260.2pp | 302.95%-286.4pp |
| Employer contribution / active EE | $7,919 | $5,104+55.2% | $4,645+70.5% | $4,762+66.3% |
| Participant deferral / active EE | $8,696 | $7,182+21.1% | $6,843+27.1% | $5,983+45.3% |
| Admin fee / account holder | $4,542 | $10,809-58.0% | $9,310-51.2% | $11,250-59.6% |