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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 | $206,521 | $115,810+78.3% | $101,271+103.9% | $158,966+29.9% |
| Participation rate | 66.7% | 79.4%-12.7pp | 75.8%-9.1pp | 82.0%-15.3pp |
| Annual return | 10.01% | 56.15%-46.1pp | 46.48%-36.5pp | 302.95%-292.9pp |
| Employer contribution / active EE | $2,054 | $4,175-50.8% | $3,660-43.9% | $4,762-56.9% |
| Participant deferral / active EE | $2,726 | $4,958-45.0% | $4,371-37.6% | $5,983-54.4% |
| Admin fee / account holder | $2,112 | $7,248-70.9% | $5,948-64.5% | $11,250-81.2% |