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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 | $133,974 | $85,766+56.2% | $136,298-1.7% | $70,126+91.0% |
| Participation rate | 66.7% | 74.2%-7.5pp | 81.9%-15.3pp | 69.5%-2.9pp |
| Annual return | 15.26% | 31.46%-16.2pp | 5156.27%-5141.0pp | 73.15%-57.9pp |
| Employer contribution / active EE | $4,014 | $2,966+35.3% | $4,696-14.5% | $2,343+71.4% |
| Participant deferral / active EE | $8,822 | $5,051+74.6% | $6,247+41.2% | $3,332+164.8% |
| Admin fee / account holder | $3,506 | $5,421-35.3% | $9,244-62.1% | $4,645-24.5% |