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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 | $181,062+15.6% | $158,223+32.3% | $155,188+34.9% |
| Participation rate | 66.7% | 82.7%-16.0pp | 79.2%-12.5pp | 80.8%-14.1pp |
| Annual return | 15.79% | 57.39%-41.6pp | 52.09%-36.3pp | 148.84%-133.0pp |
| Employer contribution / active EE | $2,213 | $4,565-51.5% | $4,109-46.1% | $4,248-47.9% |
| Participant deferral / active EE | $6,600 | $6,134+7.6% | $5,467+20.7% | $6,531+1.1% |
| Admin fee / account holder | $30,130 | $18,825+60.1% | $16,047+87.8% | $14,480+108.1% |