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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 | $97,125+121.9% | $86,233+149.9% | $137,256+57.0% |
| Participation rate | 50.0% | 74.2%-24.2pp | 69.0%-19.0pp | 80.0%-30.0pp |
| Annual return | 25.93% | 74.19%-48.3pp | 61.39%-35.5pp | 220.34%-194.4pp |
| Employer contribution / active EE | $768 | $2,841-73.0% | $2,504-69.3% | $4,156-81.5% |
| Participant deferral / active EE | $15,500 | $5,180+199.2% | $4,559+240.0% | $6,407+141.9% |
| Admin fee / account holder | $3,169 | $9,725-67.4% | $8,342-62.0% | $12,270-74.2% |