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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 | $211,207 | $97,125+117.5% | $86,233+144.9% | $137,256+53.9% |
| Participation rate | 20.0% | 74.2%-54.2pp | 69.0%-49.0pp | 80.0%-60.0pp |
| Annual return | 14.15% | 74.19%-60.0pp | 61.39%-47.2pp | 220.34%-206.2pp |
| Employer contribution / active EE | $931 | $2,841-67.2% | $2,504-62.8% | $4,156-77.6% |
| Participant deferral / active EE | $1,108 | $5,180-78.6% | $4,559-75.7% | $6,407-82.7% |
| Admin fee / account holder | $3,950 | $9,725-59.4% | $8,342-52.6% | $12,270-67.8% |