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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 | $134,467 | $115,814+16.1% | $101,275+32.8% | $158,982-15.4% |
| Participation rate | 66.7% | 79.4%-12.7pp | 75.8%-9.1pp | 82.0%-15.3pp |
| Annual return | 17.70% | 56.16%-38.5pp | 46.48%-28.8pp | 302.99%-285.3pp |
| Employer contribution / active EE | $2,622 | $4,176-37.2% | $3,660-28.4% | $4,763-44.9% |
| Participant deferral / active EE | $6,444 | $4,958+30.0% | $4,371+47.4% | $5,983+7.7% |
| Admin fee / account holder | $2,176 | $7,249-70.0% | $5,948-63.4% | $11,252-80.7% |