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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 | $190,686 | $183,592+3.9% | $155,574+22.6% | $145,877+30.7% |
| Participation rate | 40.0% | 82.7%-42.7pp | 78.2%-38.2pp | 80.3%-40.3pp |
| Annual return | 19.75% | 61.37%-41.6pp | 64.87%-45.1pp | 551.28%-531.5pp |
| Employer contribution / active EE | $3,363 | $5,317-36.8% | $4,676-28.1% | $4,663-27.9% |
| Participant deferral / active EE | $4,860 | $6,466-24.8% | $5,629-13.7% | $6,691-27.4% |
| Admin fee / account holder | $1,017 | $19,316-94.7% | $15,914-93.6% | $13,402-92.4% |