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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 | $209,017 | $85,171+145.4% | $172,752+21.0% | $72,975+186.4% |
| Participation rate | 62.9% | 70.1%-7.2pp | 82.6%-19.8pp | 69.5%-6.6pp |
| Annual return | 21.99% | 27.32%-5.3pp | 802.97%-781.0pp | 81.01%-59.0pp |
| Employer contribution / active EE | $3,612 | $3,324+8.7% | $5,144-29.8% | $2,440+48.0% |
| Participant deferral / active EE | $4,465 | $3,260+37.0% | $5,198-14.1% | $3,608+23.8% |
| Admin fee / account holder | $3,026 | $5,880-48.5% | $13,955-78.3% | $5,124-40.9% |