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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 | $183,592+11.3% | $155,574+31.3% | $145,877+40.1% |
| Participation rate | 68.2% | 82.7%-14.5pp | 78.2%-10.0pp | 80.3%-12.1pp |
| Annual return | 10.03% | 61.37%-51.3pp | 64.87%-54.8pp | 551.28%-541.3pp |
| Employer contribution / active EE | $8,099 | $5,317+52.3% | $4,676+73.2% | $4,663+73.7% |
| Participant deferral / active EE | $6,210 | $6,466-4.0% | $5,629+10.3% | $6,691-7.2% |
| Admin fee / account holder | $3,113 | $19,316-83.9% | $15,914-80.4% | $13,402-76.8% |