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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 | $212,680 | $156,616+35.8% | $133,346+59.5% | $198,609+7.1% |
| Participation rate | 56.3% | 77.7%-21.5pp | 72.8%-16.6pp | 82.4%-26.1pp |
| Annual return | 11.06% | 44.25%-33.2pp | 36.85%-25.8pp | 202.70%-191.6pp |
| Employer contribution / active EE | $1,639 | $3,368-51.4% | $2,853-42.6% | $5,055-67.6% |
| Participant deferral / active EE | $4,261 | $4,920-13.4% | $4,332-1.6% | $6,977-38.9% |
| Admin fee / account holder | $35,278 | $17,468+102.0% | $14,264+147.3% | $19,030+85.4% |