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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 | $204,321 | $183,539+11.3% | $155,556+31.3% | $145,897+40.0% |
| Participation rate | 68.2% | 82.7%-14.5pp | 78.2%-10.0pp | 80.3%-12.1pp |
| Annual return | 10.03% | 61.31%-51.3pp | 64.84%-54.8pp | 552.29%-542.3pp |
| Employer contribution / active EE | $8,099 | $5,315+52.4% | $4,675+73.2% | $4,663+73.7% |
| Participant deferral / active EE | $6,210 | $6,467-4.0% | $5,631+10.3% | $6,689-7.2% |
| Admin fee / account holder | $3,113 | $19,275-83.9% | $15,885-80.4% | $13,390-76.8% |