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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 | $190,930 | $111,878+70.7% | $93,727+103.7% | $145,897+30.9% |
| Participation rate | 50.0% | 74.2%-24.2pp | 68.7%-18.7pp | 80.3%-30.3pp |
| Annual return | 11.84% | 204.28%-192.4pp | 133.83%-122.0pp | 552.29%-540.4pp |
| Employer contribution / active EE | $1,927 | $3,092-37.7% | $2,421-20.4% | $4,663-58.7% |
| Participant deferral / active EE | $5,215 | $4,920+6.0% | $4,417+18.1% | $6,689-22.0% |
| Admin fee / account holder | $470 | $10,256-95.4% | $8,292-94.3% | $13,390-96.5% |