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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 | $70,366+194.8% | $66,674+211.1% | $138,895+49.3% |
| Participation rate | 66.7% | 76.2%-9.5pp | 73.7%-7.0pp | 79.9%-13.3pp |
| Annual return | 16.93% | 386.41%-369.5pp | 321.24%-304.3pp | 145.39%-128.5pp |
| Employer contribution / active EE | $5,201 | $2,765+88.1% | $2,620+98.5% | $4,194+24.0% |
| Participant deferral / active EE | $17,003 | $4,374+288.7% | $4,084+316.3% | $6,396+165.8% |
| Admin fee / account holder | $17,540 | $5,262+233.3% | $5,098+244.1% | $12,562+39.6% |