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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 | $195,532 | $183,539+6.5% | $155,556+25.7% | $145,897+34.0% |
| Participation rate | 27.3% | 82.7%-55.4pp | 78.2%-51.0pp | 80.3%-53.0pp |
| Annual return | 13.65% | 61.31%-47.7pp | 64.84%-51.2pp | 552.29%-538.6pp |
| Employer contribution / active EE | $1,407 | $5,315-73.5% | $4,675-69.9% | $4,663-69.8% |
| Participant deferral / active EE | $5,025 | $6,467-22.3% | $5,631-10.8% | $6,689-24.9% |
| Admin fee / account holder | $101,788 | $19,275+428.1% | $15,885+540.8% | $13,390+660.2% |