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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 | $215,006 | $129,737+65.7% | $119,126+80.5% | $154,746+38.9% |
| Participation rate | 66.7% | 78.9%-12.2pp | 75.8%-9.1pp | 80.7%-14.0pp |
| Annual return | 15.88% | 379.08%-363.2pp | 282.11%-266.2pp | 172.34%-156.5pp |
| Employer contribution / active EE | $2,122 | $4,375-51.5% | $4,034-47.4% | $4,379-51.5% |
| Participant deferral / active EE | $9,479 | $5,842+62.3% | $5,318+78.2% | $6,730+40.8% |
| Admin fee / account holder | $1,892 | $11,961-84.2% | $10,693-82.3% | $14,365-86.8% |