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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 | $224,853 | $174,379+28.9% | $152,093+47.8% | $138,895+61.9% |
| Participation rate | 66.7% | 81.6%-15.0pp | 77.8%-11.1pp | 79.9%-13.3pp |
| Annual return | 16.27% | 74.86%-58.6pp | 66.36%-50.1pp | 145.39%-129.1pp |
| Employer contribution / active EE | $2,728 | $4,652-41.4% | $4,175-34.7% | $4,194-35.0% |
| Participant deferral / active EE | $8,269 | $6,159+34.3% | $5,451+51.7% | $6,396+29.3% |
| Admin fee / account holder | $2,076 | $16,880-87.7% | $14,497-85.7% | $12,562-83.5% |