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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 | $210,093 | $141,004+49.0% | $112,273+87.1% | $139,456+50.7% |
| Participation rate | 36.4% | 79.2%-42.8pp | 72.4%-36.1pp | 80.3%-44.0pp |
| Annual return | 11.88% | 32.75%-20.9pp | 30.23%-18.4pp | 373.45%-361.6pp |
| Employer contribution / active EE | $915 | $4,285-78.6% | $3,431-73.3% | $4,753-80.7% |
| Participant deferral / active EE | $3,746 | $5,878-36.3% | $4,800-22.0% | $6,711-44.2% |
| Admin fee / account holder | $31,457 | $9,959+215.9% | $7,752+305.8% | $11,407+175.8% |