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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 | $128,756 | $57,305+124.7% | $86,640+48.6% | $75,173+71.3% |
| Participation rate | 60.0% | 63.2%-3.2pp | 71.7%-11.7pp | 67.2%-7.2pp |
| Annual return | 36.80% | 2674.24%-2637.4pp | 592.52%-555.7pp | 160.72%-123.9pp |
| Employer contribution / active EE | $1,852 | $2,316-20.1% | $3,024-38.8% | $2,671-30.7% |
| Participant deferral / active EE | $6,044 | $3,320+82.1% | $4,438+36.2% | $4,126+46.5% |
| Admin fee / account holder | $1,086 | $4,116-73.6% | $5,616-80.7% | $5,651-80.8% |