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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 | $215,153 | $65,555+228.2% | $86,216+149.6% | $75,173+186.2% |
| Participation rate | 30.6% | 60.5%-29.9pp | 69.0%-38.4pp | 67.2%-36.6pp |
| Annual return | 22.12% | 46.07%-23.9pp | 1169.42%-1147.3pp | 160.72%-138.6pp |
| Employer contribution / active EE | $1,041 | $1,553-33.0% | $2,382-56.3% | $2,671-61.0% |
| Participant deferral / active EE | $2,394 | $3,023-20.8% | $3,986-39.9% | $4,126-42.0% |
| Admin fee / account holder | $29,299 | $5,469+435.7% | $6,853+327.5% | $5,651+418.5% |