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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 | $215,488 | $108,882+97.9% | $96,754+122.7% | $154,746+39.3% |
| Participation rate | 50.0% | 75.1%-25.1pp | 70.3%-20.3pp | 80.7%-30.7pp |
| Annual return | 25.93% | 98.39%-72.5pp | 82.04%-56.1pp | 172.34%-146.4pp |
| Employer contribution / active EE | $768 | $3,018-74.6% | $2,679-71.3% | $4,379-82.5% |
| Participant deferral / active EE | $15,500 | $5,323+191.2% | $4,758+225.8% | $6,730+130.3% |
| Admin fee / account holder | $3,169 | $10,200-68.9% | $8,905-64.4% | $14,365-77.9% |