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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 | $229,125 | $183,516+24.9% | $155,534+47.3% | $145,884+57.1% |
| Participation rate | 30.0% | 82.7%-52.7pp | 78.2%-48.2pp | 80.3%-50.3pp |
| Annual return | 27.77% | 61.43%-33.7pp | 64.92%-37.1pp | 551.85%-524.1pp |
| Employer contribution / active EE | $1,424 | $5,315-73.2% | $4,675-69.5% | $4,662-69.5% |
| Participant deferral / active EE | $5,028 | $6,467-22.2% | $5,630-10.7% | $6,690-24.8% |
| Admin fee / account holder | $2,588 | $19,293-86.6% | $15,900-83.7% | $13,392-80.7% |