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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 | $208,437 | $108,882+91.4% | $96,754+115.4% | $154,746+34.7% |
| Participation rate | 61.1% | 75.1%-14.0pp | 70.3%-9.2pp | 80.7%-19.6pp |
| Annual return | 16.37% | 98.39%-82.0pp | 82.04%-65.7pp | 172.34%-156.0pp |
| Employer contribution / active EE | $2,128 | $3,018-29.5% | $2,679-20.6% | $4,379-51.4% |
| Participant deferral / active EE | $4,386 | $5,323-17.6% | $4,758-7.8% | $6,730-34.8% |
| Admin fee / account holder | $1,436 | $10,200-85.9% | $8,905-83.9% | $14,365-90.0% |