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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 | $199,970 | $174,379+14.7% | $152,093+31.5% | $138,895+44.0% |
| Participation rate | 55.6% | 81.6%-26.1pp | 77.8%-22.2pp | 79.9%-24.4pp |
| Annual return | 20.56% | 74.86%-54.3pp | 66.36%-45.8pp | 145.39%-124.8pp |
| Employer contribution / active EE | $1,912 | $4,652-58.9% | $4,175-54.2% | $4,194-54.4% |
| Participant deferral / active EE | $4,883 | $6,159-20.7% | $5,451-10.4% | $6,396-23.7% |
| Admin fee / account holder | $953 | $16,880-94.4% | $14,497-93.4% | $12,562-92.4% |