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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 | $202,169 | $142,354+42.0% | $125,529+61.1% | $155,188+30.3% |
| Participation rate | 52.9% | 78.1%-25.1pp | 74.7%-21.8pp | 80.8%-27.9pp |
| Annual return | 13.37% | 306.06%-292.7pp | 202.56%-189.2pp | 148.84%-135.5pp |
| Employer contribution / active EE | $3,387 | $3,501-3.3% | $3,058+10.8% | $4,248-20.3% |
| Participant deferral / active EE | $6,398 | $5,491+16.5% | $4,813+32.9% | $6,531-2.0% |
| Admin fee / account holder | $3,423 | $19,392-82.3% | $16,298-79.0% | $14,480-76.4% |