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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 | $127,301 | $52,380+143.0% | $98,775+28.9% | $85,847+48.3% |
| Participation rate | 56.0% | 58.0%-2.0pp | 65.7%-9.7pp | 69.3%-13.3pp |
| Annual return | 15.80% | 25.82%-10.0pp | 49.92%-34.1pp | 318.61%-302.8pp |
| Employer contribution / active EE | $3,761 | $1,337+181.2% | $2,067+81.9% | $2,565+46.6% |
| Participant deferral / active EE | $4,762 | $2,101+126.7% | $3,035+56.9% | $3,952+20.5% |
| Admin fee / account holder | $10,217 | $3,865+164.4% | $4,076+150.6% | $6,261+63.2% |