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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 | $211,492 | $100,203+111.1% | $85,240+148.1% | $145,897+45.0% |
| Participation rate | 42.9% | 74.1%-31.2pp | 67.5%-24.7pp | 80.3%-37.4pp |
| Annual return | 9.21% | 84.28%-75.1pp | 66.75%-57.5pp | 552.29%-543.1pp |
| Employer contribution / active EE | $1,375 | $3,242-57.6% | $2,735-49.7% | $4,663-70.5% |
| Participant deferral / active EE | $1,648 | $5,299-68.9% | $4,527-63.6% | $6,689-75.4% |
| Admin fee / account holder | $10,559 | $7,265+45.3% | $6,165+71.3% | $13,390-21.1% |