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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 | $50,554+121.0% | $67,681+65.1% | $87,485+27.7% |
| Participation rate | 20.5% | 67.7%-47.2pp | 73.7%-53.2pp | 68.9%-48.4pp |
| Annual return | 14.68% | 17.81%-3.1pp | 590.58%-575.9pp | 26.06%-11.4pp |
| Employer contribution / active EE | $2,829 | $1,988+42.2% | $2,678+5.6% | $2,596+8.9% |
| Participant deferral / active EE | $9,196 | $2,961+210.5% | $3,976+131.3% | $4,274+115.2% |
| Admin fee / account holder | $28,626 | $4,132+592.7% | $6,100+369.3% | $7,775+268.2% |