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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 | $215,537 | $157,304+37.0% | $141,197+52.6% | $152,909+41.0% |
| Participation rate | 66.7% | 84.8%-18.2pp | 82.5%-15.8pp | 82.5%-15.8pp |
| Annual return | 15.90% | 64.34%-48.4pp | 71.41%-55.5pp | 345.46%-329.6pp |
| Employer contribution / active EE | $7,551 | $5,263+43.5% | $4,736+59.4% | $4,764+58.5% |
| Participant deferral / active EE | $3,469 | $7,111-51.2% | $6,710-48.3% | $5,851-40.7% |
| Admin fee / account holder | $42,663 | $12,126+251.8% | $10,265+315.6% | $11,601+267.8% |