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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 | $243,486 | $118,877+104.8% | $96,570+152.1% | $167,536+45.3% |
| Participation rate | 54.5% | 75.5%-20.9pp | 69.8%-15.3pp | 82.1%-27.6pp |
| Annual return | 14.44% | 50.50%-36.1pp | 37.79%-23.4pp | 478.82%-464.4pp |
| Employer contribution / active EE | $1,673 | $3,121-46.4% | $2,357-29.0% | $4,839-65.4% |
| Participant deferral / active EE | $5,686 | $4,617+23.2% | $3,849+47.7% | $6,342-10.4% |
| Admin fee / account holder | $6,646 | $8,069-17.6% | $6,182+7.5% | $12,315-46.0% |