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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 | $205,258 | $115,814+77.2% | $101,275+102.7% | $158,982+29.1% |
| Participation rate | 50.0% | 79.4%-29.4pp | 75.8%-25.8pp | 82.0%-32.0pp |
| Annual return | 19.71% | 56.16%-36.4pp | 46.48%-26.8pp | 302.99%-283.3pp |
| Employer contribution / active EE | $4,007 | $4,176-4.0% | $3,660+9.5% | $4,763-15.9% |
| Participant deferral / active EE | $7,366 | $4,958+48.6% | $4,371+68.5% | $5,983+23.1% |
| Admin fee / account holder | $1,803 | $7,249-75.1% | $5,948-69.7% | $11,252-84.0% |