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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 | $126,422 | $63,346+99.6% | $92,240+37.1% | $70,126+80.3% |
| Participation rate | 59.4% | 68.7%-9.3pp | 76.5%-17.1pp | 69.5%-10.2pp |
| Annual return | 14.65% | 530.19%-515.5pp | 176.29%-161.6pp | 73.15%-58.5pp |
| Employer contribution / active EE | $1,648 | $2,471-33.3% | $3,680-55.2% | $2,343-29.7% |
| Participant deferral / active EE | $3,604 | $2,854+26.3% | $3,897-7.5% | $3,332+8.2% |
| Admin fee / account holder | $4,839 | $3,841+26.0% | $5,194-6.8% | $4,645+4.2% |