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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 | $97,125+114.6% | $86,233+141.7% | $137,256+51.9% |
| Participation rate | 61.1% | 74.2%-13.1pp | 69.0%-7.9pp | 80.0%-18.8pp |
| Annual return | 16.37% | 74.19%-57.8pp | 61.39%-45.0pp | 220.34%-204.0pp |
| Employer contribution / active EE | $2,128 | $2,841-25.1% | $2,504-15.0% | $4,156-48.8% |
| Participant deferral / active EE | $4,386 | $5,180-15.3% | $4,559-3.8% | $6,407-31.5% |
| Admin fee / account holder | $1,436 | $9,725-85.2% | $8,342-82.8% | $12,270-88.3% |