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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 | $191,822 | $88,702+116.3% | $81,780+134.6% | $145,978+31.4% |
| Participation rate | 64.3% | 75.0%-10.8pp | 72.4%-8.1pp | 80.3%-16.0pp |
| Annual return | 14.67% | 1029.12%-1014.5pp | 776.27%-761.6pp | 550.52%-535.8pp |
| Employer contribution / active EE | $2,464 | $3,084-20.1% | $2,914-15.4% | $4,662-47.1% |
| Participant deferral / active EE | $7,163 | $4,645+54.2% | $4,321+65.8% | $6,690+7.1% |
| Admin fee / account holder | $1,169 | $8,414-86.1% | $7,384-84.2% | $13,400-91.3% |