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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 | $240,432 | $110,278+118.0% | $95,740+151.1% | $139,466+72.4% |
| Participation rate | 50.0% | 75.7%-25.7pp | 72.3%-22.3pp | 80.3%-30.3pp |
| Annual return | 21.61% | 27.19%-5.6pp | 28.41%-6.8pp | 373.66%-352.1pp |
| Employer contribution / active EE | $21,785 | $3,260+568.2% | $2,836+668.1% | $4,754+358.2% |
| Participant deferral / active EE | $11,539 | $4,674+146.8% | $4,244+171.9% | $6,712+71.9% |
| Admin fee / account holder | $1,113 | $6,613-83.2% | $5,676-80.4% | $11,409-90.2% |