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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 | $180,971 | $149,040+21.4% | $120,225+50.5% | $137,256+31.8% |
| Participation rate | 66.7% | 75.4%-8.8pp | 69.6%-2.9pp | 80.0%-13.3pp |
| Annual return | 11.83% | 605.68%-593.9pp | 439.23%-427.4pp | 220.34%-208.5pp |
| Employer contribution / active EE | $1,908 | $4,350-56.1% | $3,475-45.1% | $4,156-54.1% |
| Participant deferral / active EE | $9,268 | $4,655+99.1% | $3,999+131.8% | $6,407+44.7% |
| Admin fee / account holder | $20,650 | $6,348+225.3% | $5,696+262.5% | $12,270+68.3% |