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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 | $187,913 | $129,737+44.8% | $119,126+57.7% | $154,746+21.4% |
| Participation rate | 38.5% | 78.9%-40.4pp | 75.8%-37.3pp | 80.7%-42.2pp |
| Annual return | 18.76% | 379.08%-360.3pp | 282.11%-263.3pp | 172.34%-153.6pp |
| Employer contribution / active EE | $2,008 | $4,375-54.1% | $4,034-50.2% | $4,379-54.1% |
| Participant deferral / active EE | $5,713 | $5,842-2.2% | $5,318+7.4% | $6,730-15.1% |
| Admin fee / account holder | $5,000 | $11,961-58.2% | $10,693-53.2% | $14,365-65.2% |