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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 | $212,955 | $148,623+43.3% | $135,974+56.6% | $139,466+52.7% |
| Participation rate | 25.0% | 83.9%-58.9pp | 81.9%-56.9pp | 80.3%-55.3pp |
| Annual return | 17.03% | 79.30%-62.3pp | 68.30%-51.3pp | 373.66%-356.6pp |
| Employer contribution / active EE | $3,003 | $5,246-42.8% | $4,859-38.2% | $4,754-36.8% |
| Participant deferral / active EE | $11,656 | $8,103+43.9% | $7,760+50.2% | $6,712+73.7% |
| Admin fee / account holder | $576 | $12,406-95.4% | $10,767-94.7% | $11,409-95.0% |