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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 | $187,887 | $109,908+70.9% | $97,161+93.4% | $145,978+28.7% |
| Participation rate | 60.9% | 75.9%-15.1pp | 72.7%-11.8pp | 80.3%-19.4pp |
| Annual return | 16.94% | 243.80%-226.9pp | 75.36%-58.4pp | 550.52%-533.6pp |
| Employer contribution / active EE | $2,320 | $3,077-24.6% | $2,723-14.8% | $4,662-50.2% |
| Participant deferral / active EE | $6,540 | $4,679+39.8% | $4,265+53.3% | $6,690-2.2% |
| Admin fee / account holder | $1,247 | $6,213-79.9% | $5,647-77.9% | $13,400-90.7% |