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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 | $177,437 | $150,346+18.0% | $120,524+47.2% | $145,877+21.6% |
| Participation rate | 66.7% | 78.8%-12.1pp | 71.9%-5.3pp | 80.3%-13.6pp |
| Annual return | 15.47% | 154.40%-138.9pp | 107.36%-91.9pp | 551.28%-535.8pp |
| Employer contribution / active EE | $1,357 | $4,353-68.8% | $3,469-60.9% | $4,663-70.9% |
| Participant deferral / active EE | $6,500 | $6,172+5.3% | $4,994+30.2% | $6,691-2.8% |
| Admin fee / account holder | $905 | $12,215-92.6% | $9,440-90.4% | $13,402-93.3% |