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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 | $99,053+151.2% | $88,179+182.2% | $138,895+79.2% |
| Participation rate | 40.0% | 74.2%-34.2pp | 69.1%-29.1pp | 79.9%-39.9pp |
| Annual return | 11.51% | 78.17%-66.7pp | 64.97%-53.5pp | 145.39%-133.9pp |
| Employer contribution / active EE | $721 | $2,882-75.0% | $2,549-71.7% | $4,194-82.8% |
| Participant deferral / active EE | $6,912 | $5,225+32.3% | $4,614+49.8% | $6,396+8.1% |
| Admin fee / account holder | $8,774 | $8,748+0.3% | $7,673+14.3% | $12,562-30.2% |