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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 | $149,241 | $112,131+33.1% | $95,964+55.5% | $158,982-6.1% |
| Participation rate | 55.6% | 79.0%-23.4pp | 77.1%-21.5pp | 82.0%-26.4pp |
| Annual return | 21.41% | 171.19%-149.8pp | 91.64%-70.2pp | 302.99%-281.6pp |
| Employer contribution / active EE | $1,331 | $3,199-58.4% | $2,541-47.6% | $4,763-72.1% |
| Participant deferral / active EE | $8,609 | $4,784+79.9% | $4,167+106.6% | $5,983+43.9% |
| Admin fee / account holder | $724 | $10,136-92.9% | $6,797-89.3% | $11,252-93.6% |