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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 | $183,627+24.8% | $155,602+47.3% | $145,978+57.0% |
| Participation rate | 30.0% | 82.7%-52.7pp | 78.2%-48.2pp | 80.3%-50.3pp |
| Annual return | 27.77% | 61.32%-33.5pp | 64.81%-37.0pp | 550.52%-522.7pp |
| Employer contribution / active EE | $1,424 | $5,316-73.2% | $4,675-69.5% | $4,662-69.5% |
| Participant deferral / active EE | $5,028 | $6,466-22.2% | $5,629-10.7% | $6,690-24.8% |
| Admin fee / account holder | $2,588 | $19,327-86.6% | $15,923-83.8% | $13,400-80.7% |