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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 | $111,830+102.6% | $93,696+141.8% | $145,884+55.3% |
| Participation rate | 57.1% | 74.2%-17.1pp | 68.7%-11.6pp | 80.3%-23.2pp |
| Annual return | 14.58% | 204.08%-189.5pp | 133.74%-119.2pp | 551.85%-537.3pp |
| Employer contribution / active EE | $1,680 | $3,093-45.7% | $2,422-30.6% | $4,662-64.0% |
| Participant deferral / active EE | $2,059 | $4,920-58.2% | $4,417-53.4% | $6,690-69.2% |
| Admin fee / account holder | $7,353 | $10,249-28.3% | $8,287-11.3% | $13,392-45.1% |