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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 | $203,011 | $175,231+15.9% | $149,696+35.6% | $139,466+45.6% |
| Participation rate | 50.0% | 83.4%-33.4pp | 78.8%-28.8pp | 80.3%-30.3pp |
| Annual return | 11.25% | 166.77%-155.5pp | 134.46%-123.2pp | 373.66%-362.4pp |
| Employer contribution / active EE | $1,682 | $5,478-69.3% | $4,821-65.1% | $4,754-64.6% |
| Participant deferral / active EE | $6,326 | $6,521-3.0% | $5,682+11.3% | $6,712-5.8% |
| Admin fee / account holder | $7,537 | $16,155-53.3% | $13,212-43.0% | $11,409-33.9% |