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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 | $235,117 | $97,125+142.1% | $86,233+172.7% | $137,256+71.3% |
| Participation rate | 61.5% | 74.2%-12.7pp | 69.0%-7.5pp | 80.0%-18.4pp |
| Annual return | 20.50% | 74.19%-53.7pp | 61.39%-40.9pp | 220.34%-199.8pp |
| Employer contribution / active EE | $7,991 | $2,841+181.3% | $2,504+219.1% | $4,156+92.3% |
| Participant deferral / active EE | $8,334 | $5,180+60.9% | $4,559+82.8% | $6,407+30.1% |
| Admin fee / account holder | $15,261 | $9,725+56.9% | $8,342+82.9% | $12,270+24.4% |