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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 | $209,319 | $185,312+13.0% | $161,489+29.6% | $154,746+35.3% |
| Participation rate | 66.7% | 82.5%-15.8pp | 78.7%-12.0pp | 80.7%-14.0pp |
| Annual return | 15.79% | 103.84%-88.1pp | 89.72%-73.9pp | 172.34%-156.5pp |
| Employer contribution / active EE | $2,213 | $4,769-53.6% | $4,268-48.2% | $4,379-49.5% |
| Participant deferral / active EE | $6,600 | $6,350+3.9% | $5,630+17.2% | $6,730-1.9% |
| Admin fee / account holder | $30,130 | $18,654+61.5% | $16,006+88.2% | $14,365+109.7% |