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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 | $142,191 | $115,814+22.8% | $101,275+40.4% | $158,982-10.6% |
| Participation rate | 64.3% | 79.4%-15.1pp | 75.8%-11.5pp | 82.0%-17.7pp |
| Annual return | 15.29% | 56.16%-40.9pp | 46.48%-31.2pp | 302.99%-287.7pp |
| Employer contribution / active EE | $1,732 | $4,176-58.5% | $3,660-52.7% | $4,763-63.6% |
| Participant deferral / active EE | $2,518 | $4,958-49.2% | $4,371-42.4% | $5,983-57.9% |
| Admin fee / account holder | $5,335 | $7,249-26.4% | $5,948-10.3% | $11,252-52.6% |