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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 | $167,321 | $102,429+63.4% | $147,096+13.7% | $80,925+106.8% |
| Participation rate | 52.8% | 75.9%-23.1pp | 82.2%-29.4pp | 67.7%-14.9pp |
| Annual return | 28.51% | 135.02%-106.5pp | 419.75%-391.2pp | 35.65%-7.1pp |
| Employer contribution / active EE | $2,508 | $3,716-32.5% | $4,936-49.2% | $2,756-9.0% |
| Participant deferral / active EE | $5,767 | $6,649-13.3% | $8,071-28.5% | $4,299+34.2% |
| Admin fee / account holder | $4,781 | $7,957-39.9% | $13,005-63.2% | $6,940-31.1% |