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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 | $235,801 | $88,672+165.9% | $105,223+124.1% | $82,448+186.0% |
| Participation rate | 57.1% | 67.9%-10.8pp | 75.0%-17.9pp | 68.1%-10.9pp |
| Annual return | 24.46% | 30.86%-6.4pp | 180.65%-156.2pp | 41.64%-17.2pp |
| Employer contribution / active EE | $1,558 | $3,048-48.9% | $3,689-57.8% | $2,551-38.9% |
| Participant deferral / active EE | $5,864 | $4,036+45.3% | $5,072+15.6% | $4,139+41.7% |
| Admin fee / account holder | $656 | $7,146-90.8% | $8,859-92.6% | $7,234-90.9% |