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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 | $218,529 | $148,558+47.1% | $135,925+60.8% | $139,427+56.7% |
| Participation rate | 68.8% | 83.9%-15.1pp | 81.9%-13.2pp | 80.3%-11.6pp |
| Annual return | 18.55% | 79.22%-60.7pp | 68.25%-49.7pp | 373.27%-354.7pp |
| Employer contribution / active EE | $2,042 | $5,244-61.1% | $4,857-58.0% | $4,752-57.0% |
| Participant deferral / active EE | $5,166 | $8,101-36.2% | $7,759-33.4% | $6,711-23.0% |
| Admin fee / account holder | $6,439 | $12,401-48.1% | $10,764-40.2% | $11,404-43.5% |