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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 | $153,292 | $88,754+72.7% | $81,820+87.4% | $145,877+5.1% |
| Participation rate | 50.0% | 75.1%-25.1pp | 72.4%-22.4pp | 80.3%-30.3pp |
| Annual return | 14.76% | 1031.77%-1017.0pp | 777.93%-763.2pp | 551.28%-536.5pp |
| Employer contribution / active EE | $1,402 | $3,085-54.6% | $2,915-51.9% | $4,663-69.9% |
| Participant deferral / active EE | $1,958 | $4,648-57.9% | $4,323-54.7% | $6,691-70.7% |
| Admin fee / account holder | $5,069 | $8,424-39.8% | $7,391-31.4% | $13,402-62.2% |