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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 | $99,053+137.4% | $88,179+166.6% | $138,895+69.3% |
| Participation rate | 61.5% | 74.2%-12.7pp | 69.1%-7.6pp | 79.9%-18.4pp |
| Annual return | 20.50% | 78.17%-57.7pp | 64.97%-44.5pp | 145.39%-124.9pp |
| Employer contribution / active EE | $7,991 | $2,882+177.3% | $2,549+213.5% | $4,194+90.5% |
| Participant deferral / active EE | $8,334 | $5,225+59.5% | $4,614+80.6% | $6,396+30.3% |
| Admin fee / account holder | $15,261 | $8,748+74.4% | $7,673+98.9% | $12,562+21.5% |