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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 | $196,432 | $134,817+45.7% | $123,973+58.4% | $155,188+26.6% |
| Participation rate | 66.7% | 79.4%-12.7pp | 76.7%-10.0pp | 80.8%-14.1pp |
| Annual return | 15.82% | 515.49%-499.7pp | 388.13%-372.3pp | 148.84%-133.0pp |
| Employer contribution / active EE | $1,120 | $4,425-74.7% | $4,126-72.9% | $4,248-73.6% |
| Participant deferral / active EE | $14,665 | $5,706+157.0% | $5,247+179.5% | $6,531+124.5% |
| Admin fee / account holder | $1,834 | $13,245-86.2% | $11,799-84.5% | $14,480-87.3% |