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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 | $201,241 | $183,592+9.6% | $155,574+29.4% | $145,877+38.0% |
| Participation rate | 62.5% | 82.7%-20.2pp | 78.2%-15.7pp | 80.3%-17.8pp |
| Annual return | 10.96% | 61.37%-50.4pp | 64.87%-53.9pp | 551.28%-540.3pp |
| Employer contribution / active EE | $1,101 | $5,317-79.3% | $4,676-76.5% | $4,663-76.4% |
| Participant deferral / active EE | $3,839 | $6,466-40.6% | $5,629-31.8% | $6,691-42.6% |
| Admin fee / account holder | $1,137 | $19,316-94.1% | $15,914-92.9% | $13,402-91.5% |