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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 | $248,865 | $108,882+128.6% | $96,754+157.2% | $154,746+60.8% |
| Participation rate | 40.0% | 75.1%-35.1pp | 70.3%-30.3pp | 80.7%-40.7pp |
| Annual return | 11.51% | 98.39%-86.9pp | 82.04%-70.5pp | 172.34%-160.8pp |
| Employer contribution / active EE | $721 | $3,018-76.1% | $2,679-73.1% | $4,379-83.5% |
| Participant deferral / active EE | $6,912 | $5,323+29.8% | $4,758+45.3% | $6,730+2.7% |
| Admin fee / account holder | $8,774 | $10,200-14.0% | $8,905-1.5% | $14,365-38.9% |