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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 | $226,590 | $111,787+102.7% | $93,681+141.9% | $145,978+55.2% |
| Participation rate | 57.1% | 74.2%-17.1pp | 68.7%-11.6pp | 80.3%-23.1pp |
| Annual return | 14.58% | 203.52%-188.9pp | 133.47%-118.9pp | 550.52%-535.9pp |
| Employer contribution / active EE | $1,680 | $3,093-45.7% | $2,422-30.6% | $4,662-64.0% |
| Participant deferral / active EE | $2,059 | $4,918-58.1% | $4,415-53.4% | $6,690-69.2% |
| Admin fee / account holder | $7,353 | $10,256-28.3% | $8,290-11.3% | $13,400-45.1% |