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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 | $212,200 | $157,304+34.9% | $141,197+50.3% | $152,909+38.8% |
| Participation rate | 50.0% | 84.8%-34.8pp | 82.5%-32.5pp | 82.5%-32.5pp |
| Annual return | 17.35% | 64.34%-47.0pp | 71.41%-54.1pp | 345.46%-328.1pp |
| Employer contribution / active EE | $2,582 | $5,263-50.9% | $4,736-45.5% | $4,764-45.8% |
| Participant deferral / active EE | $7,333 | $7,111+3.1% | $6,710+9.3% | $5,851+25.3% |
| Admin fee / account holder | $2,245 | $12,126-81.5% | $10,265-78.1% | $11,601-80.6% |