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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% | $155,574+37.7% | $145,877+46.9% |
| Participation rate | 57.1% | 82.7%-25.6pp | 78.2%-21.1pp | 80.3%-23.2pp |
| Annual return | 10.69% | 61.37%-50.7pp | 64.87%-54.2pp | 551.28%-540.6pp |
| Employer contribution / active EE | $4,726 | $5,317-11.1% | $4,676+1.1% | $4,663+1.3% |
| Participant deferral / active EE | $7,205 | $6,466+11.4% | $5,629+28.0% | $6,691+7.7% |
| Admin fee / account holder | $9,325 | $19,316-51.7% | $15,914-41.4% | $13,402-30.4% |