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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 | $202,890 | $68,681+195.4% | $86,625+134.2% | $85,851+136.3% |
| Participation rate | 22.6% | 66.4%-43.8pp | 71.6%-49.1pp | 69.3%-46.7pp |
| Annual return | 14.95% | 20.12%-5.2pp | 63.52%-48.6pp | 318.63%-303.7pp |
| Employer contribution / active EE | $5,349 | $1,880+184.5% | $2,496+114.3% | $2,565+108.5% |
| Participant deferral / active EE | $6,014 | $2,919+106.0% | $3,700+62.6% | $3,952+52.2% |
| Admin fee / account holder | $3,197 | $5,974-46.5% | $5,830-45.2% | $6,261-48.9% |