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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 | $203,632 | $111,535+82.6% | $105,223+93.5% | $137,256+48.4% |
| Participation rate | 52.9% | 78.1%-25.1pp | 75.0%-22.1pp | 80.0%-27.0pp |
| Annual return | 13.51% | 237.85%-224.3pp | 180.65%-167.1pp | 220.34%-206.8pp |
| Employer contribution / active EE | $4,791 | $3,939+21.6% | $3,689+29.9% | $4,156+15.3% |
| Participant deferral / active EE | $10,636 | $5,500+93.4% | $5,072+109.7% | $6,407+66.0% |
| Admin fee / account holder | $2,457 | $9,721-74.7% | $8,859-72.3% | $12,270-80.0% |