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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 | $183,516+9.7% | $155,534+29.4% | $145,884+37.9% |
| Participation rate | 62.5% | 82.7%-20.2pp | 78.2%-15.7pp | 80.3%-17.8pp |
| Annual return | 10.96% | 61.43%-50.5pp | 64.92%-54.0pp | 551.85%-540.9pp |
| Employer contribution / active EE | $1,101 | $5,315-79.3% | $4,675-76.5% | $4,662-76.4% |
| Participant deferral / active EE | $3,839 | $6,467-40.6% | $5,630-31.8% | $6,690-42.6% |
| Admin fee / account holder | $1,137 | $19,293-94.1% | $15,900-92.8% | $13,392-91.5% |