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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 | $201,475 | $150,207+34.1% | $120,380+67.4% | $145,978+38.0% |
| Participation rate | 45.8% | 78.8%-32.9pp | 71.9%-26.1pp | 80.3%-34.5pp |
| Annual return | 11.77% | 154.28%-142.5pp | 107.28%-95.5pp | 550.52%-538.7pp |
| Employer contribution / active EE | $1,053 | $4,351-75.8% | $3,465-69.6% | $4,662-77.4% |
| Participant deferral / active EE | $3,468 | $6,175-43.8% | $4,992-30.5% | $6,690-48.2% |
| Admin fee / account holder | $8,043 | $12,203-34.1% | $9,421-14.6% | $13,400-40.0% |