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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 | $206,552 | $162,136+27.4% | $152,301+35.6% | $154,746+33.5% |
| Participation rate | 62.5% | 84.1%-21.6pp | 82.4%-19.9pp | 80.7%-18.2pp |
| Annual return | 17.85% | 91.02%-73.2pp | 80.50%-62.6pp | 172.34%-154.5pp |
| Employer contribution / active EE | $2,031 | $4,890-58.5% | $4,624-56.1% | $4,379-53.6% |
| Participant deferral / active EE | $9,912 | $8,341+18.8% | $8,004+23.8% | $6,730+47.3% |
| Admin fee / account holder | $1,102 | $15,759-93.0% | $14,398-92.3% | $14,365-92.3% |