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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 | $199,641 | $111,535+79.0% | $105,223+89.7% | $137,256+45.5% |
| Participation rate | 36.4% | 78.1%-41.7pp | 75.0%-38.7pp | 80.0%-43.6pp |
| Annual return | 11.92% | 237.85%-225.9pp | 180.65%-168.7pp | 220.34%-208.4pp |
| Employer contribution / active EE | $887 | $3,939-77.5% | $3,689-75.9% | $4,156-78.6% |
| Participant deferral / active EE | $1,537 | $5,500-72.1% | $5,072-69.7% | $6,407-76.0% |
| Admin fee / account holder | $2,137 | $9,721-78.0% | $8,859-75.9% | $12,270-82.6% |