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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 | $175,669 | $72,071+143.7% | $68,368+156.9% | $137,256+28.0% |
| Participation rate | 33.3% | 76.2%-42.9pp | 73.8%-40.4pp | 80.0%-46.6pp |
| Annual return | 20.31% | 353.14%-332.8pp | 292.57%-272.3pp | 220.34%-200.0pp |
| Employer contribution / active EE | $1,365 | $2,788-51.0% | $2,649-48.5% | $4,156-67.2% |
| Participant deferral / active EE | $3,055 | $4,410-30.7% | $4,123-25.9% | $6,407-52.3% |
| Admin fee / account holder | $2,102 | $5,336-60.6% | $5,150-59.2% | $12,270-82.9% |