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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 | $241,472 | $117,829+104.9% | $102,423+135.8% | $145,877+65.5% |
| Participation rate | 66.7% | 78.6%-11.9pp | 76.5%-9.8pp | 80.3%-13.6pp |
| Annual return | 15.96% | 31.83%-15.9pp | 29.42%-13.5pp | 551.28%-535.3pp |
| Employer contribution / active EE | $21,911 | $3,615+506.2% | $3,023+624.8% | $4,663+369.9% |
| Participant deferral / active EE | $22,695 | $5,732+295.9% | $5,054+349.0% | $6,691+239.2% |
| Admin fee / account holder | $71,103 | $13,335+433.2% | $9,455+652.1% | $13,402+430.5% |