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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 | $229,569 | $107,363+113.8% | $92,909+147.1% | $152,897+50.1% |
| Participation rate | 50.0% | 79.8%-29.8pp | 76.0%-26.0pp | 82.5%-32.5pp |
| Annual return | 19.90% | 145.63%-125.7pp | 109.44%-89.5pp | 345.43%-325.5pp |
| Employer contribution / active EE | $1,440 | $4,222-65.9% | $3,653-60.6% | $4,764-69.8% |
| Participant deferral / active EE | $5,502 | $4,848+13.5% | $4,238+29.8% | $5,851-6.0% |
| Admin fee / account holder | $4,499 | $7,082-36.5% | $5,795-22.4% | $11,599-61.2% |