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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 | $165,605 | $125,237+32.2% | $105,608+56.8% | $145,877+13.5% |
| Participation rate | 50.0% | 77.7%-27.7pp | 75.3%-25.3pp | 80.3%-30.3pp |
| Annual return | 9.83% | 225.76%-215.9pp | 116.50%-106.7pp | 551.28%-541.4pp |
| Employer contribution / active EE | $1,815 | $3,720-51.2% | $3,167-42.7% | $4,663-61.1% |
| Participant deferral / active EE | $6,442 | $5,711+12.8% | $5,010+28.6% | $6,691-3.7% |
| Admin fee / account holder | $14,874 | $17,287-14.0% | $11,028+34.9% | $13,402+11.0% |