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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 | $125,773 | $57,305+119.5% | $86,640+45.2% | $75,173+67.3% |
| Participation rate | 60.5% | 63.2%-2.7pp | 71.7%-11.2pp | 67.2%-6.7pp |
| Annual return | 19.72% | 2674.24%-2654.5pp | 592.52%-572.8pp | 160.72%-141.0pp |
| Employer contribution / active EE | $425 | $2,316-81.6% | $3,024-85.9% | $2,671-84.1% |
| Participant deferral / active EE | $3,573 | $3,320+7.6% | $4,438-19.5% | $4,126-13.4% |
| Admin fee / account holder | $19,966 | $4,116+385.1% | $5,616+255.5% | $5,651+253.3% |