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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 | $88,815+72.6% | $81,882+87.2% | $145,897+5.1% |
| Participation rate | 50.0% | 75.1%-25.1pp | 72.4%-22.4pp | 80.3%-30.3pp |
| Annual return | 14.76% | 1033.75%-1019.0pp | 779.47%-764.7pp | 552.29%-537.5pp |
| Employer contribution / active EE | $1,402 | $3,086-54.6% | $2,916-51.9% | $4,663-69.9% |
| Participant deferral / active EE | $1,958 | $4,647-57.9% | $4,323-54.7% | $6,689-70.7% |
| Admin fee / account holder | $5,069 | $8,434-39.9% | $7,360-31.1% | $13,390-62.1% |