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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 | $228,578 | $118,877+92.3% | $96,570+136.7% | $167,536+36.4% |
| Participation rate | 60.0% | 75.5%-15.5pp | 69.8%-9.8pp | 82.1%-22.1pp |
| Annual return | 10.93% | 50.50%-39.6pp | 37.79%-26.9pp | 478.82%-467.9pp |
| Employer contribution / active EE | $1,227 | $3,121-60.7% | $2,357-47.9% | $4,839-74.6% |
| Participant deferral / active EE | $4,282 | $4,617-7.3% | $3,849+11.2% | $6,342-32.5% |
| Admin fee / account holder | $4,262 | $8,069-47.2% | $6,182-31.1% | $12,315-65.4% |