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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 | $214,281 | $183,592+16.7% | $155,567+37.7% | $145,959+46.8% |
| Participation rate | 57.1% | 82.7%-25.5pp | 78.2%-21.1pp | 80.3%-23.1pp |
| Annual return | 10.69% | 61.24%-50.5pp | 64.74%-54.0pp | 561.95%-551.3pp |
| Employer contribution / active EE | $4,726 | $5,315-11.1% | $4,674+1.1% | $4,661+1.4% |
| Participant deferral / active EE | $7,205 | $6,464+11.5% | $5,628+28.0% | $6,689+7.7% |
| Admin fee / account holder | $9,325 | $19,318-51.7% | $15,916-41.4% | $13,398-30.4% |