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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 | $109,849 | $63,346+73.4% | $92,239+19.1% | $70,124+56.6% |
| Participation rate | 48.1% | 68.7%-20.5pp | 76.5%-28.3pp | 69.5%-21.4pp |
| Annual return | 16.55% | 530.19%-513.6pp | 176.29%-159.7pp | 73.14%-56.6pp |
| Employer contribution / active EE | $1,492 | $2,471-39.6% | $3,680-59.5% | $2,342-36.3% |
| Participant deferral / active EE | $3,649 | $2,854+27.9% | $3,897-6.4% | $3,332+9.5% |
| Admin fee / account holder | $745 | $3,841-80.6% | $5,194-85.7% | $4,645-84.0% |