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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 | $200,369 | $171,272+17.0% | $127,803+56.8% | $152,909+31.0% |
| Participation rate | 57.1% | 83.5%-26.3pp | 79.0%-21.9pp | 82.5%-25.3pp |
| Annual return | 17.90% | 23.54%-5.6pp | 26.14%-8.2pp | 345.46%-327.6pp |
| Employer contribution / active EE | $2,494 | $5,451-54.3% | $4,576-45.5% | $4,764-47.7% |
| Participant deferral / active EE | $10,961 | $7,043+55.6% | $6,023+82.0% | $5,851+87.3% |
| Admin fee / account holder | $7,844 | $14,540-46.1% | $9,399-16.5% | $11,601-32.4% |