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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 | $159,357 | $109,967+44.9% | $97,197+64.0% | $145,877+9.2% |
| Participation rate | 66.7% | 76.0%-9.3pp | 72.7%-6.0pp | 80.3%-13.6pp |
| Annual return | 14.03% | 244.27%-230.2pp | 75.47%-61.4pp | 551.28%-537.3pp |
| Employer contribution / active EE | $2,739 | $3,077-11.0% | $2,723+0.6% | $4,663-41.3% |
| Participant deferral / active EE | $6,831 | $4,676+46.1% | $4,263+60.2% | $6,691+2.1% |
| Admin fee / account holder | $2,129 | $6,199-65.7% | $5,637-62.2% | $13,402-84.1% |