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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 | $198,057 | $107,353+84.5% | $92,903+113.2% | $152,885+29.5% |
| Participation rate | 66.7% | 79.8%-13.1pp | 76.0%-9.3pp | 82.5%-15.8pp |
| Annual return | 19.95% | 145.62%-125.7pp | 109.43%-89.5pp | 345.39%-325.4pp |
| Employer contribution / active EE | $7,467 | $4,222+76.9% | $3,653+104.4% | $4,763+56.8% |
| Participant deferral / active EE | $14,667 | $4,848+202.6% | $4,238+246.1% | $5,851+150.7% |
| Admin fee / account holder | $431 | $7,081-93.9% | $5,795-92.6% | $11,598-96.3% |