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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 | $175,301 | $100,073+75.2% | $85,126+105.9% | $145,877+20.2% |
| Participation rate | 62.5% | 74.1%-11.6pp | 67.5%-5.0pp | 80.3%-17.8pp |
| Annual return | 19.76% | 84.11%-64.3pp | 66.63%-46.9pp | 551.28%-531.5pp |
| Employer contribution / active EE | $2,187 | $3,236-32.4% | $2,731-19.9% | $4,663-53.1% |
| Participant deferral / active EE | $6,276 | $5,294+18.5% | $4,523+38.8% | $6,691-6.2% |
| Admin fee / account holder | $34,216 | $7,261+371.2% | $6,160+455.4% | $13,402+155.3% |