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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 | $111,741 | $55,457+101.5% | $77,361+44.4% | $94,015+18.9% |
| Participation rate | 20.5% | 69.8%-49.3pp | 75.0%-54.5pp | 70.8%-50.3pp |
| Annual return | 14.68% | 15.57%-0.9pp | 1011.54%-996.9pp | 17.84%-3.2pp |
| Employer contribution / active EE | $2,829 | $2,255+25.5% | $2,990-5.4% | $2,790+1.4% |
| Participant deferral / active EE | $9,196 | $3,069+199.6% | $3,911+135.1% | $4,249+116.4% |
| Admin fee / account holder | $28,626 | $4,334+560.5% | $5,894+385.7% | $8,951+219.8% |