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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 | $121,758 | $111,878+8.8% | $93,727+29.9% | $145,897-16.5% |
| Participation rate | 66.7% | 74.2%-7.5pp | 68.7%-2.0pp | 80.3%-13.6pp |
| Annual return | 14.19% | 204.28%-190.1pp | 133.83%-119.6pp | 552.29%-538.1pp |
| Employer contribution / active EE | $1,563 | $3,092-49.5% | $2,421-35.5% | $4,663-66.5% |
| Participant deferral / active EE | $6,266 | $4,920+27.4% | $4,417+41.9% | $6,689-6.3% |
| Admin fee / account holder | $1,384 | $10,256-86.5% | $8,292-83.3% | $13,390-89.7% |