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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 | $231,793 | $178,174+30.1% | $156,181+48.4% | $137,256+68.9% |
| Participation rate | 50.0% | 82.0%-32.0pp | 78.8%-28.8pp | 80.0%-30.0pp |
| Annual return | 17.65% | 84.19%-66.5pp | 64.87%-47.2pp | 220.34%-202.7pp |
| Employer contribution / active EE | $2,551 | $4,972-48.7% | $4,294-40.6% | $4,156-38.6% |
| Participant deferral / active EE | $7,682 | $6,888+11.5% | $6,132+25.3% | $6,407+19.9% |
| Admin fee / account holder | $6,241 | $17,404-64.1% | $14,586-57.2% | $12,270-49.1% |