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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 | $101,926 | $63,346+60.9% | $92,240+10.5% | $70,126+45.3% |
| Participation rate | 41.3% | 68.7%-27.4pp | 76.5%-35.2pp | 69.5%-28.2pp |
| Annual return | 19.15% | 530.19%-511.0pp | 176.29%-157.1pp | 73.15%-54.0pp |
| Employer contribution / active EE | $1,135 | $2,471-54.1% | $3,680-69.2% | $2,343-51.6% |
| Participant deferral / active EE | $2,203 | $2,854-22.8% | $3,897-43.5% | $3,332-33.9% |
| Admin fee / account holder | $863 | $3,841-77.5% | $5,194-83.4% | $4,645-81.4% |