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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 | $123,884 | $108,897+13.8% | $100,378+23.4% | $145,877-15.1% |
| Participation rate | 57.1% | 83.0%-25.8pp | 81.5%-24.4pp | 80.3%-23.2pp |
| Annual return | 13.32% | 58.17%-44.8pp | 49.41%-36.1pp | 551.28%-538.0pp |
| Employer contribution / active EE | $1,759 | $4,420-60.2% | $3,942-55.4% | $4,663-62.3% |
| Participant deferral / active EE | $4,757 | $8,455-43.7% | $8,087-41.2% | $6,691-28.9% |
| Admin fee / account holder | $14,950 | $9,690+54.3% | $7,899+89.3% | $13,402+11.6% |