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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 | $178,457 | $100,203+78.1% | $85,240+109.4% | $145,897+22.3% |
| Participation rate | 28.6% | 74.1%-45.5pp | 67.5%-39.0pp | 80.3%-51.7pp |
| Annual return | 14.36% | 84.28%-69.9pp | 66.75%-52.4pp | 552.29%-537.9pp |
| Employer contribution / active EE | $2,054 | $3,242-36.6% | $2,735-24.9% | $4,663-55.9% |
| Participant deferral / active EE | $2,445 | $5,299-53.9% | $4,527-46.0% | $6,689-63.5% |
| Admin fee / account holder | $1,214 | $7,265-83.3% | $6,165-80.3% | $13,390-90.9% |