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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 | $211,996 | $175,231+21.0% | $149,696+41.6% | $139,466+52.0% |
| Participation rate | 66.7% | 83.4%-16.7pp | 78.8%-12.1pp | 80.3%-13.7pp |
| Annual return | 17.93% | 166.77%-148.8pp | 134.46%-116.5pp | 373.66%-355.7pp |
| Employer contribution / active EE | $2,522 | $5,478-54.0% | $4,821-47.7% | $4,754-46.9% |
| Participant deferral / active EE | $8,106 | $6,521+24.3% | $5,682+42.7% | $6,712+20.8% |
| Admin fee / account holder | $3,069 | $16,155-81.0% | $13,212-76.8% | $11,409-73.1% |