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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 | $176,963 | $144,130+22.8% | $117,861+50.1% | $147,586+19.9% |
| Participation rate | 15.0% | 83.4%-68.4pp | 79.7%-64.7pp | 82.8%-67.8pp |
| Annual return | 18.59% | 531.20%-512.6pp | 335.11%-316.5pp | 578.59%-560.0pp |
| Employer contribution / active EE | $1,041 | $4,897-78.7% | $3,786-72.5% | $4,876-78.7% |
| Participant deferral / active EE | $1,684 | $5,316-68.3% | $4,482-62.4% | $5,439-69.0% |
| Admin fee / account holder | $805 | $10,887-92.6% | $8,021-90.0% | $10,886-92.6% |