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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 | $118,287 | $85,171+38.9% | $172,753-31.5% | $72,976+62.1% |
| Participation rate | 55.3% | 70.1%-14.8pp | 82.6%-27.4pp | 69.5%-14.2pp |
| Annual return | 20.12% | 27.32%-7.2pp | 803.00%-782.9pp | 81.02%-60.9pp |
| Employer contribution / active EE | $2,208 | $3,324-33.6% | $5,144-57.1% | $2,440-9.5% |
| Participant deferral / active EE | $4,488 | $3,260+37.7% | $5,198-13.7% | $3,608+24.4% |
| Admin fee / account holder | $2,078 | $5,880-64.7% | $13,956-85.1% | $5,124-59.5% |