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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 | $206,108 | $108,942+89.2% | $100,415+105.3% | $145,897+41.3% |
| Participation rate | 66.7% | 83.0%-16.3pp | 81.5%-14.9pp | 80.3%-13.6pp |
| Annual return | 13.54% | 58.27%-44.7pp | 49.47%-35.9pp | 552.29%-538.7pp |
| Employer contribution / active EE | $875 | $4,422-80.2% | $3,943-77.8% | $4,663-81.2% |
| Participant deferral / active EE | $7,967 | $8,461-5.8% | $8,091-1.5% | $6,689+19.1% |
| Admin fee / account holder | $1,122 | $9,702-88.4% | $7,906-85.8% | $13,390-91.6% |