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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 | $165,351+19.9% | $149,710+32.4% | $158,931+24.7% |
| Participation rate | 66.7% | 84.6%-17.9pp | 82.5%-15.8pp | 82.0%-15.3pp |
| Annual return | 14.08% | 348.19%-334.1pp | 276.63%-262.5pp | 302.86%-288.8pp |
| Employer contribution / active EE | $3,019 | $5,103-40.8% | $4,645-35.0% | $4,761-36.6% |
| Participant deferral / active EE | $9,612 | $7,181+33.8% | $6,842+40.5% | $5,982+60.7% |
| Admin fee / account holder | $2,698 | $10,807-75.0% | $9,309-71.0% | $11,247-76.0% |