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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 | $198,193 | $165,399+19.8% | $149,745+32.4% | $158,982+24.7% |
| Participation rate | 66.7% | 84.6%-17.9pp | 82.5%-15.8pp | 82.0%-15.3pp |
| Annual return | 14.08% | 348.34%-334.3pp | 276.72%-262.6pp | 302.99%-288.9pp |
| Employer contribution / active EE | $3,019 | $5,105-40.9% | $4,646-35.0% | $4,763-36.6% |
| Participant deferral / active EE | $9,612 | $7,183+33.8% | $6,843+40.5% | $5,983+60.6% |
| Admin fee / account holder | $2,698 | $10,811-75.0% | $9,312-71.0% | $11,252-76.0% |