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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 | $186,033 | $98,240+89.4% | $82,312+126.0% | $147,586+26.1% |
| Participation rate | 63.6% | 79.7%-16.1pp | 76.9%-13.3pp | 82.8%-19.2pp |
| Annual return | 12.69% | 30.85%-18.2pp | 25.88%-13.2pp | 578.59%-565.9pp |
| Employer contribution / active EE | $8,890 | $3,192+178.5% | $2,428+266.1% | $4,876+82.3% |
| Participant deferral / active EE | $2,286 | $4,383-47.8% | $3,706-38.3% | $5,439-58.0% |
| Admin fee / account holder | $3,550 | $8,563-58.5% | $5,608-36.7% | $10,886-67.4% |