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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 | $207,435 | $72,071+187.8% | $68,368+203.4% | $137,256+51.1% |
| Participation rate | 66.7% | 76.2%-9.6pp | 73.8%-7.1pp | 80.0%-13.3pp |
| Annual return | 16.93% | 353.14%-336.2pp | 292.57%-275.6pp | 220.34%-203.4pp |
| Employer contribution / active EE | $5,201 | $2,788+86.6% | $2,649+96.4% | $4,156+25.1% |
| Participant deferral / active EE | $17,003 | $4,410+285.5% | $4,123+312.4% | $6,407+165.4% |
| Admin fee / account holder | $17,540 | $5,336+228.7% | $5,150+240.6% | $12,270+42.9% |