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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 | $228,924 | $156,398+46.4% | $147,318+55.4% | $138,895+64.8% |
| Participation rate | 66.7% | 83.8%-17.1pp | 82.1%-15.4pp | 79.9%-13.3pp |
| Annual return | 20.81% | 78.75%-57.9pp | 70.43%-49.6pp | 145.39%-124.6pp |
| Employer contribution / active EE | $11,583 | $4,853+138.7% | $4,593+152.2% | $4,194+176.2% |
| Participant deferral / active EE | $16,215 | $8,237+96.8% | $7,906+105.1% | $6,396+153.5% |
| Admin fee / account holder | $1,178 | $14,976-92.1% | $13,708-91.4% | $12,562-90.6% |