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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 | $208,261 | $100,262+107.7% | $81,370+155.9% | $145,897+42.7% |
| Participation rate | 50.0% | 74.3%-24.3pp | 69.5%-19.5pp | 80.3%-30.3pp |
| Annual return | 10.90% | 34.52%-23.6pp | 24.85%-14.0pp | 552.29%-541.4pp |
| Employer contribution / active EE | $1,857 | $2,979-37.7% | $2,464-24.6% | $4,663-60.2% |
| Participant deferral / active EE | $5,282 | $4,612+14.5% | $3,885+36.0% | $6,689-21.0% |
| Admin fee / account holder | $16,434 | $8,163+101.3% | $5,749+185.8% | $13,390+22.7% |