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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 | $132,777 | $106,008+25.3% | $92,240+43.9% | $147,586-10.0% |
| Participation rate | 69.2% | 80.4%-11.2pp | 76.5%-7.3pp | 82.8%-13.6pp |
| Annual return | 16.14% | 50.05%-33.9pp | 176.29%-160.1pp | 578.59%-562.4pp |
| Employer contribution / active EE | $1,847 | $4,333-57.4% | $3,680-49.8% | $4,876-62.1% |
| Participant deferral / active EE | $2,678 | $4,478-40.2% | $3,897-31.3% | $5,439-50.8% |
| Admin fee / account holder | $1,190 | $6,333-81.2% | $5,194-77.1% | $10,886-89.1% |