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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 | $209,814 | $167,522+25.2% | $151,639+38.4% | $134,532+56.0% |
| Participation rate | 66.7% | 88.4%-21.7pp | 87.5%-20.8pp | 81.2%-14.6pp |
| Annual return | -16.12% | 7.81%-23.9pp | 3.34%-19.5pp | 418.27%-434.4pp |
| Employer contribution / active EE | $4,664 | $6,828-31.7% | $6,165-24.4% | $4,741-1.6% |
| Participant deferral / active EE | $11,891 | $8,986+32.3% | $8,363+42.2% | $6,401+85.8% |
| Admin fee / account holder | $16,840 | $13,780+22.2% | $11,613+45.0% | $11,429+47.4% |