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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 | $117,660 | $55,446+112.2% | $155,574-24.4% | $74,429+58.1% |
| Participation rate | 49.2% | 61.9%-12.7pp | 78.2%-29.0pp | 67.2%-18.0pp |
| Annual return | 11.36% | 269.20%-257.8pp | 64.87%-53.5pp | 1368.38%-1357.0pp |
| Employer contribution / active EE | $2,378 | $2,266+4.9% | $4,676-49.1% | $2,625-9.4% |
| Participant deferral / active EE | $5,243 | $2,836+84.9% | $5,629-6.9% | $4,348+20.6% |
| Admin fee / account holder | $3,156 | $1,743+81.1% | $15,914-80.2% | $1,944+62.3% |