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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 | $211,826 | $144,130+47.0% | $117,861+79.7% | $147,586+43.5% |
| Participation rate | 50.0% | 83.4%-33.4pp | 79.7%-29.7pp | 82.8%-32.8pp |
| Annual return | 11.79% | 531.20%-519.4pp | 335.11%-323.3pp | 578.59%-566.8pp |
| Employer contribution / active EE | $6,168 | $4,897+26.0% | $3,786+62.9% | $4,876+26.5% |
| Participant deferral / active EE | $4,564 | $5,316-14.2% | $4,482+1.8% | $5,439-16.1% |
| Admin fee / account holder | $3,027 | $10,887-72.2% | $8,021-62.3% | $10,886-72.2% |