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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 | $111,830+34.6% | $93,696+60.6% | $145,884+3.2% |
| Participation rate | 68.4% | 74.2%-5.8pp | 68.7%-0.3pp | 80.3%-11.9pp |
| Annual return | 9.86% | 204.08%-194.2pp | 133.74%-123.9pp | 551.85%-542.0pp |
| Employer contribution / active EE | $1,946 | $3,093-37.1% | $2,422-19.6% | $4,662-58.3% |
| Participant deferral / active EE | $3,694 | $4,920-24.9% | $4,417-16.4% | $6,690-44.8% |
| Admin fee / account holder | $1,671 | $10,249-83.7% | $8,287-79.8% | $13,392-87.5% |