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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 | $207,813 | $111,830+85.8% | $93,696+121.8% | $145,884+42.5% |
| Participation rate | 68.2% | 74.2%-6.0pp | 68.7%-0.5pp | 80.3%-12.1pp |
| Annual return | 15.45% | 204.08%-188.6pp | 133.74%-118.3pp | 551.85%-536.4pp |
| Employer contribution / active EE | $2,793 | $3,093-9.7% | $2,422+15.3% | $4,662-40.1% |
| Participant deferral / active EE | $6,341 | $4,920+28.9% | $4,417+43.6% | $6,690-5.2% |
| Admin fee / account holder | $12,065 | $10,249+17.7% | $8,287+45.6% | $13,392-9.9% |