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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 | $122,438 | $102,595+19.3% | $94,057+30.2% | $154,746-20.9% |
| Participation rate | 63.2% | 76.0%-12.8pp | 73.3%-10.2pp | 80.7%-17.5pp |
| Annual return | 18.46% | 583.42%-565.0pp | 480.62%-462.2pp | 172.34%-153.9pp |
| Employer contribution / active EE | $1,728 | $3,147-45.1% | $2,933-41.1% | $4,379-60.5% |
| Participant deferral / active EE | $5,276 | $5,118+3.1% | $4,709+12.0% | $6,730-21.6% |
| Admin fee / account holder | $1,017 | $7,736-86.8% | $7,244-86.0% | $14,365-92.9% |