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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 | $230,123 | $101,618+126.5% | $93,063+147.3% | $137,256+67.7% |
| Participation rate | 66.7% | 74.9%-8.3pp | 72.1%-5.4pp | 80.0%-13.3pp |
| Annual return | 13.75% | 223.95%-210.2pp | 34.15%-20.4pp | 220.34%-206.6pp |
| Employer contribution / active EE | $4,664 | $2,707+72.3% | $2,476+88.3% | $4,156+12.2% |
| Participant deferral / active EE | $4,850 | $4,279+13.3% | $3,958+22.5% | $6,407-24.3% |
| Admin fee / account holder | $2,790 | $6,198-55.0% | $6,033-53.8% | $12,270-77.3% |