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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 | $121,676 | $100,938+20.5% | $90,461+34.5% | $158,982-23.5% |
| Participation rate | 25.0% | 75.0%-50.0pp | 72.7%-47.7pp | 82.0%-57.0pp |
| Annual return | 17.23% | 1727.20%-1710.0pp | 1294.76%-1277.5pp | 302.99%-285.8pp |
| Employer contribution / active EE | $676 | $3,691-81.7% | $3,264-79.3% | $4,763-85.8% |
| Participant deferral / active EE | $844 | $4,350-80.6% | $3,964-78.7% | $5,983-85.9% |
| Admin fee / account holder | $1,160 | $6,510-82.2% | $5,617-79.3% | $11,252-89.7% |