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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 | $213,536 | $101,618+110.1% | $93,063+129.5% | $137,256+55.6% |
| Participation rate | 59.1% | 74.9%-15.8pp | 72.1%-13.0pp | 80.0%-20.9pp |
| Annual return | 15.61% | 223.95%-208.3pp | 34.15%-18.5pp | 220.34%-204.7pp |
| Employer contribution / active EE | $5,899 | $2,707+117.9% | $2,476+138.3% | $4,156+41.9% |
| Participant deferral / active EE | $8,452 | $4,279+97.5% | $3,958+113.5% | $6,407+31.9% |
| Admin fee / account holder | $416 | $6,198-93.3% | $6,033-93.1% | $12,270-96.6% |