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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 | $209,781 | $125,778+66.8% | $114,563+83.1% | $154,746+35.6% |
| Participation rate | 36.4% | 75.2%-38.8pp | 72.9%-36.5pp | 80.7%-44.3pp |
| Annual return | 13.28% | 295.14%-281.9pp | 241.09%-227.8pp | 172.34%-159.1pp |
| Employer contribution / active EE | $831 | $2,806-70.4% | $2,592-68.0% | $4,379-81.0% |
| Participant deferral / active EE | $2,249 | $4,445-49.4% | $4,142-45.7% | $6,730-66.6% |
| Admin fee / account holder | $1,263 | $8,190-84.6% | $7,623-83.4% | $14,365-91.2% |