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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 | $221,617 | $183,592+20.7% | $155,574+42.5% | $145,877+51.9% |
| Participation rate | 68.4% | 82.7%-14.3pp | 78.2%-9.8pp | 80.3%-11.9pp |
| Annual return | 13.51% | 61.37%-47.9pp | 64.87%-51.4pp | 551.28%-537.8pp |
| Employer contribution / active EE | $8,962 | $5,317+68.6% | $4,676+91.7% | $4,663+92.2% |
| Participant deferral / active EE | $6,648 | $6,466+2.8% | $5,629+18.1% | $6,691-0.6% |
| Admin fee / account holder | $822 | $19,316-95.7% | $15,914-94.8% | $13,402-93.9% |