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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 | $196,501 | $65,555+199.7% | $86,216+127.9% | $75,173+161.4% |
| Participation rate | 35.5% | 60.5%-25.0pp | 69.0%-33.5pp | 67.2%-31.7pp |
| Annual return | 18.73% | 46.07%-27.3pp | 1169.42%-1150.7pp | 160.72%-142.0pp |
| Employer contribution / active EE | $618 | $1,553-60.2% | $2,382-74.0% | $2,671-76.8% |
| Participant deferral / active EE | $2,451 | $3,023-18.9% | $3,986-38.5% | $4,126-40.6% |
| Admin fee / account holder | $881 | $5,469-83.9% | $6,853-87.1% | $5,651-84.4% |