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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 | $122,764 | $102,429+19.9% | $147,096-16.5% | $80,925+51.7% |
| Participation rate | 63.2% | 75.9%-12.7pp | 82.2%-19.0pp | 67.7%-4.5pp |
| Annual return | 18.34% | 135.02%-116.7pp | 419.75%-401.4pp | 35.65%-17.3pp |
| Employer contribution / active EE | $5,760 | $3,716+55.0% | $4,936+16.7% | $2,756+109.0% |
| Participant deferral / active EE | $8,764 | $6,649+31.8% | $8,071+8.6% | $4,299+103.9% |
| Admin fee / account holder | $520 | $7,957-93.5% | $13,005-96.0% | $6,940-92.5% |