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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 | $171,601 | $107,363+59.8% | $92,909+84.7% | $152,897+12.2% |
| Participation rate | 50.0% | 79.8%-29.8pp | 76.0%-26.0pp | 82.5%-32.5pp |
| Annual return | 17.23% | 145.63%-128.4pp | 109.44%-92.2pp | 345.43%-328.2pp |
| Employer contribution / active EE | $1,128 | $4,222-73.3% | $3,653-69.1% | $4,764-76.3% |
| Participant deferral / active EE | $3,568 | $4,848-26.4% | $4,238-15.8% | $5,851-39.0% |
| Admin fee / account holder | $27,887 | $7,082+293.8% | $5,795+381.2% | $11,599+140.4% |