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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 | $78,331 | $63,346+23.7% | $92,240-15.1% | $70,126+11.7% |
| Participation rate | 67.7% | 68.7%-0.9pp | 76.5%-8.7pp | 69.5%-1.8pp |
| Annual return | 18.17% | 530.19%-512.0pp | 176.29%-158.1pp | 73.15%-55.0pp |
| Employer contribution / active EE | $4,081 | $2,471+65.1% | $3,680+10.9% | $2,343+74.2% |
| Participant deferral / active EE | $7,922 | $2,854+177.6% | $3,897+103.3% | $3,332+137.8% |
| Admin fee / account holder | $3,443 | $3,841-10.3% | $5,194-33.7% | $4,645-25.9% |