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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 | $197,140 | $152,619+29.2% | $125,195+57.5% | $152,909+28.9% |
| Participation rate | 57.1% | 83.3%-26.2pp | 79.8%-22.6pp | 82.5%-25.3pp |
| Annual return | 20.29% | 54.85%-34.6pp | 43.79%-23.5pp | 345.46%-325.2pp |
| Employer contribution / active EE | $2,597 | $4,947-47.5% | $3,866-32.8% | $4,764-45.5% |
| Participant deferral / active EE | $4,171 | $5,869-28.9% | $4,937-15.5% | $5,851-28.7% |
| Admin fee / account holder | $45,080 | $13,437+235.5% | $9,704+364.5% | $11,601+288.6% |