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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 | $207,435 | $157,829+31.4% | $136,867+51.6% | $198,609+4.4% |
| Participation rate | 66.7% | 77.2%-10.5pp | 74.5%-7.9pp | 82.4%-15.7pp |
| Annual return | 16.93% | 51.25%-34.3pp | 42.97%-26.0pp | 202.70%-185.8pp |
| Employer contribution / active EE | $5,201 | $3,923+32.6% | $3,547+46.6% | $5,055+2.9% |
| Participant deferral / active EE | $17,003 | $5,463+211.2% | $4,924+245.3% | $6,977+143.7% |
| Admin fee / account holder | $17,540 | $11,107+57.9% | $10,340+69.6% | $19,030-7.8% |