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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 | $155,555+47.2% | $146,866+55.9% | $155,188+47.5% |
| Participation rate | 66.7% | 84.0%-17.3pp | 82.5%-15.8pp | 80.8%-14.1pp |
| Annual return | 20.81% | 115.41%-94.6pp | 102.85%-82.0pp | 148.84%-128.0pp |
| Employer contribution / active EE | $11,583 | $4,647+149.3% | $4,425+161.8% | $4,248+172.7% |
| Participant deferral / active EE | $16,215 | $8,044+101.6% | $7,759+109.0% | $6,531+148.3% |
| Admin fee / account holder | $1,178 | $14,755-92.0% | $13,620-91.4% | $14,480-91.9% |