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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 | $228,052 | $211,288+7.9% | $178,540+27.7% | $145,884+56.3% |
| Participation rate | 37.5% | 80.8%-43.3pp | 77.1%-39.6pp | 80.3%-42.8pp |
| Annual return | 8.17% | 30.27%-22.1pp | 27.15%-19.0pp | 551.85%-543.7pp |
| Employer contribution / active EE | $1,076 | $4,574-76.5% | $3,953-72.8% | $4,662-76.9% |
| Participant deferral / active EE | $3,764 | $6,967-46.0% | $6,281-40.1% | $6,690-43.7% |
| Admin fee / account holder | $2,056 | $12,105-83.0% | $10,424-80.3% | $13,392-84.6% |