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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 | $165,901 | $105,200+57.7% | $159,474+4.0% | $85,847+93.3% |
| Participation rate | 69.2% | 75.8%-6.5pp | 82.8%-13.6pp | 69.3%-0.1pp |
| Annual return | 15.23% | 45.08%-29.8pp | 263.68%-248.4pp | 318.61%-303.4pp |
| Employer contribution / active EE | $3,199 | $3,319-3.6% | $4,831-33.8% | $2,565+24.7% |
| Participant deferral / active EE | $6,187 | $5,946+4.1% | $7,353-15.9% | $3,952+56.6% |
| Admin fee / account holder | $1,616 | $6,934-76.7% | $10,802-85.0% | $6,261-74.2% |