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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 | $152,632 | $63,346+141.0% | $92,240+65.5% | $70,126+117.7% |
| Participation rate | 54.8% | 68.7%-13.8pp | 76.5%-21.6pp | 69.5%-14.7pp |
| Annual return | 16.80% | 530.19%-513.4pp | 176.29%-159.5pp | 73.15%-56.3pp |
| Employer contribution / active EE | $2,144 | $2,471-13.3% | $3,680-41.7% | $2,343-8.5% |
| Participant deferral / active EE | $3,394 | $2,854+18.9% | $3,897-12.9% | $3,332+1.9% |
| Admin fee / account holder | $8,528 | $3,841+122.0% | $5,194+64.2% | $4,645+83.6% |