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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 | $229,326 | $162,785+40.9% | $133,959+71.2% | $158,950+44.3% |
| Participation rate | 50.0% | 83.2%-33.2pp | 79.8%-29.8pp | 82.0%-32.0pp |
| Annual return | 13.87% | 41.94%-28.1pp | 45.09%-31.2pp | 302.91%-289.0pp |
| Employer contribution / active EE | $8,861 | $4,975+78.1% | $3,919+126.1% | $4,762+86.1% |
| Participant deferral / active EE | $9,750 | $5,910+65.0% | $5,047+93.2% | $5,983+63.0% |
| Admin fee / account holder | $2,529 | $11,738-78.5% | $8,928-71.7% | $11,248-77.5% |