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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 | $222,496 | $70,366+216.2% | $66,674+233.7% | $138,895+60.2% |
| Participation rate | 50.0% | 76.2%-26.2pp | 73.7%-23.7pp | 79.9%-29.9pp |
| Annual return | 14.15% | 386.41%-372.3pp | 321.24%-307.1pp | 145.39%-131.2pp |
| Employer contribution / active EE | $1,983 | $2,765-28.3% | $2,620-24.3% | $4,194-52.7% |
| Participant deferral / active EE | $6,873 | $4,374+57.1% | $4,084+68.3% | $6,396+7.5% |
| Admin fee / account holder | $1,788 | $5,262-66.0% | $5,098-64.9% | $12,562-85.8% |