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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 | $178,631 | $148,629+20.2% | $135,982+31.4% | $139,487+28.1% |
| Participation rate | 64.7% | 83.9%-19.2pp | 81.9%-17.2pp | 80.3%-15.6pp |
| Annual return | 20.17% | 79.33%-59.2pp | 68.32%-48.2pp | 373.84%-353.7pp |
| Employer contribution / active EE | $1,018 | $5,247-80.6% | $4,859-79.1% | $4,755-78.6% |
| Participant deferral / active EE | $8,029 | $8,102-0.9% | $7,760+3.5% | $6,713+19.6% |
| Admin fee / account holder | $1,449 | $12,406-88.3% | $10,767-86.5% | $11,407-87.3% |