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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 | $200,592 | $111,787+79.4% | $93,681+114.1% | $145,978+37.4% |
| Participation rate | 33.3% | 74.2%-40.9pp | 68.7%-35.4pp | 80.3%-47.0pp |
| Annual return | 10.51% | 203.52%-193.0pp | 133.47%-123.0pp | 550.52%-540.0pp |
| Employer contribution / active EE | $810 | $3,093-73.8% | $2,422-66.6% | $4,662-82.6% |
| Participant deferral / active EE | $1,900 | $4,918-61.4% | $4,415-57.0% | $6,690-71.6% |
| Admin fee / account holder | $2,189 | $10,256-78.7% | $8,290-73.6% | $13,400-83.7% |