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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 | $242,094 | $183,516+31.9% | $155,534+55.7% | $145,884+65.9% |
| Participation rate | 60.0% | 82.7%-22.7pp | 78.2%-18.2pp | 80.3%-20.3pp |
| Annual return | 15.53% | 61.43%-45.9pp | 64.92%-49.4pp | 551.85%-536.3pp |
| Employer contribution / active EE | $7,423 | $5,315+39.7% | $4,675+58.8% | $4,662+59.2% |
| Participant deferral / active EE | $6,447 | $6,467-0.3% | $5,630+14.5% | $6,690-3.6% |
| Admin fee / account holder | $2,039 | $19,293-89.4% | $15,900-87.2% | $13,392-84.8% |