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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 | $179,605 | $101,618+76.7% | $93,063+93.0% | $137,256+30.9% |
| Participation rate | 30.4% | 74.9%-44.5pp | 72.1%-41.7pp | 80.0%-49.5pp |
| Annual return | 13.25% | 223.95%-210.7pp | 34.15%-20.9pp | 220.34%-207.1pp |
| Employer contribution / active EE | $1,608 | $2,707-40.6% | $2,476-35.1% | $4,156-61.3% |
| Participant deferral / active EE | $3,372 | $4,279-21.2% | $3,958-14.8% | $6,407-47.4% |
| Admin fee / account holder | $2,379 | $6,198-61.6% | $6,033-60.6% | $12,270-80.6% |