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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 | $228,130 | $185,883+22.7% | $170,043+34.2% | $139,466+63.6% |
| Participation rate | 66.7% | 87.8%-21.1pp | 87.0%-20.3pp | 80.3%-13.7pp |
| Annual return | 15.29% | 60.54%-45.3pp | 53.40%-38.1pp | 373.66%-358.4pp |
| Employer contribution / active EE | $3,467 | $7,596-54.4% | $6,790-48.9% | $4,754-27.1% |
| Participant deferral / active EE | $10,186 | $11,626-12.4% | $10,410-2.2% | $6,712+51.8% |
| Admin fee / account holder | $27,624 | $15,393+79.5% | $12,824+115.4% | $11,409+142.1% |