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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 | $195,585 | $102,938+90.0% | $94,105+107.8% | $138,895+40.8% |
| Participation rate | 50.0% | 74.6%-24.6pp | 71.9%-21.9pp | 79.9%-29.9pp |
| Annual return | 12.77% | 250.28%-237.5pp | 204.55%-191.8pp | 145.39%-132.6pp |
| Employer contribution / active EE | $8,143 | $2,732+198.1% | $2,504+225.2% | $4,194+94.2% |
| Participant deferral / active EE | $9,877 | $4,196+135.4% | $3,881+154.5% | $6,396+54.4% |
| Admin fee / account holder | $1,729 | $6,600-73.8% | $6,199-72.1% | $12,562-86.2% |