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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 | $76,997 | $55,446+38.9% | $155,574-50.5% | $74,429+3.5% |
| Participation rate | 53.6% | 61.9%-8.3pp | 78.2%-24.6pp | 67.2%-13.6pp |
| Annual return | 17.85% | 269.20%-251.3pp | 64.87%-47.0pp | 1368.38%-1350.5pp |
| Employer contribution / active EE | $3,014 | $2,266+33.0% | $4,676-35.5% | $2,625+14.8% |
| Participant deferral / active EE | $7,503 | $2,836+164.6% | $5,629+33.3% | $4,348+72.6% |
| Admin fee / account holder | $3,995 | $1,743+129.2% | $15,914-74.9% | $1,944+105.5% |