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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 | $147,878 | $115,796+27.7% | $101,264+46.0% | $158,950-7.0% |
| Participation rate | 60.0% | 79.4%-19.4pp | 75.8%-15.8pp | 82.0%-22.0pp |
| Annual return | 14.59% | 56.15%-41.6pp | 46.48%-31.9pp | 302.91%-288.3pp |
| Employer contribution / active EE | $1,933 | $4,175-53.7% | $3,660-47.2% | $4,762-59.4% |
| Participant deferral / active EE | $4,416 | $4,958-10.9% | $4,370+1.0% | $5,983-26.2% |
| Admin fee / account holder | $1,929 | $7,247-73.4% | $5,947-67.6% | $11,248-82.8% |