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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 | $181,112 | $132,634+36.6% | $115,768+56.4% | $137,256+32.0% |
| Participation rate | 60.0% | 77.9%-17.9pp | 74.4%-14.4pp | 80.0%-20.0pp |
| Annual return | 14.60% | 160.70%-146.1pp | 100.46%-85.9pp | 220.34%-205.7pp |
| Employer contribution / active EE | $1,324 | $3,360-60.6% | $2,940-55.0% | $4,156-68.1% |
| Participant deferral / active EE | $4,159 | $5,619-26.0% | $4,917-15.4% | $6,407-35.1% |
| Admin fee / account holder | $8,282 | $15,028-44.9% | $12,439-33.4% | $12,270-32.5% |