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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 | $197,008 | $165,381+19.1% | $149,730+31.6% | $158,966+23.9% |
| Participation rate | 61.5% | 84.6%-23.0pp | 82.5%-20.9pp | 82.0%-20.4pp |
| Annual return | 8.69% | 348.29%-339.6pp | 276.70%-268.0pp | 302.95%-294.3pp |
| Employer contribution / active EE | $2,040 | $5,104-60.0% | $4,645-56.1% | $4,762-57.2% |
| Participant deferral / active EE | $8,895 | $7,182+23.8% | $6,843+30.0% | $5,983+48.7% |
| Admin fee / account holder | $1,662 | $10,809-84.6% | $9,310-82.2% | $11,250-85.2% |