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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 | $179,773 | $112,915+59.2% | $90,965+97.6% | $158,950+13.1% |
| Participation rate | 59.1% | 74.7%-15.6pp | 69.0%-9.9pp | 82.0%-22.9pp |
| Annual return | 12.96% | 215.75%-202.8pp | 134.57%-121.6pp | 302.91%-289.9pp |
| Employer contribution / active EE | $0 | $2,894-100.0% | $2,122-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $6,226 | $4,128+50.8% | $3,373+84.6% | $5,983+4.1% |
| Admin fee / account holder | $602 | $8,044-92.5% | $5,960-89.9% | $11,248-94.7% |