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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 | $204,483 | $201,370+1.5% | $184,256+11.0% | $145,897+40.2% |
| Participation rate | 66.7% | 87.5%-20.8pp | 86.8%-20.2pp | 80.3%-13.6pp |
| Annual return | 10.89% | 29.05%-18.2pp | 28.85%-18.0pp | 552.29%-541.4pp |
| Employer contribution / active EE | $2,815 | $7,024-59.9% | $6,427-56.2% | $4,663-39.6% |
| Participant deferral / active EE | $11,927 | $9,808+21.6% | $9,133+30.6% | $6,689+78.3% |
| Admin fee / account holder | $63,558 | $16,364+288.4% | $13,899+357.3% | $13,390+374.7% |