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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 | $152,980 | $109,411+39.8% | $89,435+71.1% | $158,982-3.8% |
| Participation rate | 64.3% | 74.3%-10.0pp | 68.0%-3.7pp | 82.0%-17.7pp |
| Annual return | 16.91% | 345.68%-328.8pp | 245.55%-228.6pp | 302.99%-286.1pp |
| Employer contribution / active EE | $1,608 | $3,173-49.3% | $2,587-37.9% | $4,763-66.2% |
| Participant deferral / active EE | $5,160 | $4,600+12.2% | $3,890+32.6% | $5,983-13.8% |
| Admin fee / account holder | $781 | $6,159-87.3% | $4,884-84.0% | $11,252-93.1% |