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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 | $150,485 | $111,878+34.5% | $93,727+60.6% | $145,897+3.1% |
| Participation rate | 68.4% | 74.2%-5.8pp | 68.7%-0.3pp | 80.3%-11.9pp |
| Annual return | 9.86% | 204.28%-194.4pp | 133.83%-124.0pp | 552.29%-542.4pp |
| Employer contribution / active EE | $1,946 | $3,092-37.1% | $2,421-19.6% | $4,663-58.3% |
| Participant deferral / active EE | $3,694 | $4,920-24.9% | $4,417-16.4% | $6,689-44.8% |
| Admin fee / account holder | $1,671 | $10,256-83.7% | $8,292-79.9% | $13,390-87.5% |