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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 | $185,312+12.2% | $161,489+28.7% | $154,746+34.3% |
| Participation rate | 60.0% | 82.5%-22.5pp | 78.7%-18.7pp | 80.7%-20.7pp |
| Annual return | 16.76% | 103.84%-87.1pp | 89.72%-73.0pp | 172.34%-155.6pp |
| Employer contribution / active EE | $3,349 | $4,769-29.8% | $4,268-21.5% | $4,379-23.5% |
| Participant deferral / active EE | $9,371 | $6,350+47.6% | $5,630+66.5% | $6,730+39.2% |
| Admin fee / account holder | $27,647 | $18,654+48.2% | $16,006+72.7% | $14,365+92.5% |