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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 | $201,259+1.6% | $184,200+11.0% | $145,959+40.1% |
| Participation rate | 66.7% | 87.5%-20.8pp | 86.8%-20.2pp | 80.3%-13.6pp |
| Annual return | 10.89% | 28.98%-18.1pp | 28.80%-17.9pp | 561.95%-551.1pp |
| Employer contribution / active EE | $2,815 | $7,018-59.9% | $6,424-56.2% | $4,661-39.6% |
| Participant deferral / active EE | $11,927 | $9,806+21.6% | $9,132+30.6% | $6,689+78.3% |
| Admin fee / account holder | $63,558 | $16,372+288.2% | $13,907+357.0% | $13,398+374.4% |