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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 | $225,630 | $183,592+22.9% | $155,574+45.0% | $145,877+54.7% |
| Participation rate | 62.5% | 82.7%-20.2pp | 78.2%-15.7pp | 80.3%-17.8pp |
| Annual return | 13.00% | 61.37%-48.4pp | 64.87%-51.9pp | 551.28%-538.3pp |
| Employer contribution / active EE | $1,740 | $5,317-67.3% | $4,676-62.8% | $4,663-62.7% |
| Participant deferral / active EE | $4,093 | $6,466-36.7% | $5,629-27.3% | $6,691-38.8% |
| Admin fee / account holder | $988 | $19,316-94.9% | $15,914-93.8% | $13,402-92.6% |