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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 | $198,596 | $168,635+17.8% | $147,617+34.5% | $125,389+58.4% |
| Participation rate | 66.7% | 88.8%-22.1pp | 84.6%-18.0pp | 83.2%-16.5pp |
| Annual return | 68.37% | 77.65%-9.3pp | 61.98%+6.4pp | 282.24%-213.9pp |
| Employer contribution / active EE | $2,786 | $6,252-55.4% | $5,564-49.9% | $4,866-42.8% |
| Participant deferral / active EE | $4,231 | $5,507-23.2% | $4,895-13.6% | $5,352-20.9% |
| Admin fee / account holder | $419 | $13,580-96.9% | $11,612-96.4% | $9,541-95.6% |