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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 | $152,125 | $102,595+48.3% | $94,057+61.7% | $154,746-1.7% |
| Participation rate | 69.2% | 76.0%-6.8pp | 73.3%-4.1pp | 80.7%-11.5pp |
| Annual return | 18.86% | 583.42%-564.6pp | 480.62%-461.8pp | 172.34%-153.5pp |
| Employer contribution / active EE | $1,532 | $3,147-51.3% | $2,933-47.8% | $4,379-65.0% |
| Participant deferral / active EE | $7,516 | $5,118+46.9% | $4,709+59.6% | $6,730+11.7% |
| Admin fee / account holder | $3,349 | $7,736-56.7% | $7,244-53.8% | $14,365-76.7% |