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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 | $239,893 | $100,911+137.7% | $90,440+165.3% | $158,966+50.9% |
| Participation rate | 43.5% | 75.0%-31.5pp | 72.7%-29.2pp | 82.0%-38.5pp |
| Annual return | 14.39% | 1726.62%-1712.2pp | 1294.38%-1280.0pp | 302.95%-288.6pp |
| Employer contribution / active EE | $1,855 | $3,690-49.7% | $3,263-43.1% | $4,762-61.0% |
| Participant deferral / active EE | $5,160 | $4,348+18.7% | $3,964+30.2% | $5,983-13.8% |
| Admin fee / account holder | $9,739 | $6,507+49.7% | $5,615+73.5% | $11,250-13.4% |