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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 | $233,724 | $102,385+128.3% | $147,080+58.9% | $80,935+188.8% |
| Participation rate | 61.3% | 75.9%-14.6pp | 82.2%-20.9pp | 67.7%-6.4pp |
| Annual return | 15.68% | 135.09%-119.4pp | 420.17%-404.5pp | 35.66%-20.0pp |
| Employer contribution / active EE | $4,399 | $3,717+18.4% | $4,933-10.8% | $2,757+59.6% |
| Participant deferral / active EE | $9,712 | $6,651+46.0% | $8,066+20.4% | $4,299+125.9% |
| Admin fee / account holder | $552 | $7,951-93.1% | $12,989-95.8% | $6,924-92.0% |