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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 | $183,516+20.8% | $155,534+42.5% | $145,884+51.9% |
| Participation rate | 68.4% | 82.7%-14.3pp | 78.2%-9.8pp | 80.3%-11.9pp |
| Annual return | 13.51% | 61.43%-47.9pp | 64.92%-51.4pp | 551.85%-538.3pp |
| Employer contribution / active EE | $8,962 | $5,315+68.6% | $4,675+91.7% | $4,662+92.2% |
| Participant deferral / active EE | $6,648 | $6,467+2.8% | $5,630+18.1% | $6,690-0.6% |
| Admin fee / account holder | $822 | $19,293-95.7% | $15,900-94.8% | $13,392-93.9% |