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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 | $145,893 | $107,941+35.2% | $91,994+58.6% | $152,909-4.6% |
| Participation rate | 66.7% | 81.2%-14.5pp | 78.6%-12.0pp | 82.5%-15.8pp |
| Annual return | 25.92% | 89.28%-63.4pp | 69.04%-43.1pp | 345.46%-319.5pp |
| Employer contribution / active EE | $0 | $4,212-100.0% | $3,453-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $7,500 | $6,366+17.8% | $5,924+26.6% | $5,851+28.2% |
| Admin fee / account holder | $576 | $10,521-94.5% | $7,744-92.6% | $11,601-95.0% |