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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 | $241,346 | $183,516+31.5% | $155,534+55.2% | $145,884+65.4% |
| Participation rate | 60.9% | 82.7%-21.8pp | 78.2%-17.3pp | 80.3%-19.4pp |
| Annual return | 15.29% | 61.43%-46.1pp | 64.92%-49.6pp | 551.85%-536.6pp |
| Employer contribution / active EE | $2,360 | $5,315-55.6% | $4,675-49.5% | $4,662-49.4% |
| Participant deferral / active EE | $6,625 | $6,467+2.4% | $5,630+17.7% | $6,690-1.0% |
| Admin fee / account holder | $12,358 | $19,293-35.9% | $15,900-22.3% | $13,392-7.7% |