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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 | $111,785+8.9% | $93,669+30.0% | $145,877-16.5% |
| Participation rate | 66.7% | 74.2%-7.6pp | 68.7%-2.1pp | 80.3%-13.6pp |
| Annual return | 14.19% | 203.79%-189.6pp | 133.59%-119.4pp | 551.28%-537.1pp |
| Employer contribution / active EE | $1,563 | $3,096-49.5% | $2,424-35.5% | $4,663-66.5% |
| Participant deferral / active EE | $6,266 | $4,919+27.4% | $4,416+41.9% | $6,691-6.3% |
| Admin fee / account holder | $1,384 | $10,256-86.5% | $8,291-83.3% | $13,402-89.7% |