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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 | $240,805 | $99,053+143.1% | $88,179+173.1% | $138,895+73.4% |
| Participation rate | 12.5% | 74.2%-61.7pp | 69.1%-56.6pp | 79.9%-67.4pp |
| Annual return | 16.30% | 78.17%-61.9pp | 64.97%-48.7pp | 145.39%-129.1pp |
| Employer contribution / active EE | $527 | $2,882-81.7% | $2,549-79.3% | $4,194-87.4% |
| Participant deferral / active EE | $2,589 | $5,225-50.4% | $4,614-43.9% | $6,396-59.5% |
| Admin fee / account holder | $3,995 | $8,748-54.3% | $7,673-47.9% | $12,562-68.2% |