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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 | $93,652 | $58,311+60.6% | $81,882+14.4% | $80,959+15.7% |
| Participation rate | 45.2% | 63.5%-18.3pp | 72.4%-27.2pp | 67.7%-22.5pp |
| Annual return | 13.29% | 41.85%-28.6pp | 779.47%-766.2pp | 35.67%-22.4pp |
| Employer contribution / active EE | $2,349 | $2,347+0.1% | $2,916-19.4% | $2,757-14.8% |
| Participant deferral / active EE | $4,055 | $3,287+23.4% | $4,323-6.2% | $4,300-5.7% |
| Admin fee / account holder | $7,899 | $4,752+66.2% | $7,360+7.3% | $6,925+14.1% |