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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 | $221,985 | $183,539+20.9% | $155,556+42.7% | $145,897+52.2% |
| Participation rate | 20.0% | 82.7%-62.7pp | 78.2%-58.2pp | 80.3%-60.3pp |
| Annual return | 22.12% | 61.31%-39.2pp | 64.84%-42.7pp | 552.29%-530.2pp |
| Employer contribution / active EE | $1,694 | $5,315-68.1% | $4,675-63.8% | $4,663-63.7% |
| Participant deferral / active EE | $4,161 | $6,467-35.7% | $5,631-26.1% | $6,689-37.8% |
| Admin fee / account holder | $685 | $19,275-96.4% | $15,885-95.7% | $13,390-94.9% |