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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 | $207,835 | $227,399-8.6% | $189,758+9.5% | $198,609+4.6% |
| Participation rate | 60.0% | 84.0%-24.0pp | 79.8%-19.8pp | 82.4%-22.4pp |
| Annual return | 16.76% | 61.03%-44.3pp | 52.62%-35.9pp | 202.70%-185.9pp |
| Employer contribution / active EE | $3,349 | $5,526-39.4% | $4,767-29.7% | $5,055-33.7% |
| Participant deferral / active EE | $9,371 | $6,837+37.1% | $5,856+60.0% | $6,977+34.3% |
| Admin fee / account holder | $27,647 | $25,162+9.9% | $20,388+35.6% | $19,030+45.3% |