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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 | $153,857 | $88,815+73.2% | $81,882+87.9% | $145,897+5.5% |
| Participation rate | 56.3% | 75.1%-18.8pp | 72.4%-16.1pp | 80.3%-24.1pp |
| Annual return | 14.10% | 1033.75%-1019.6pp | 779.47%-765.4pp | 552.29%-538.2pp |
| Employer contribution / active EE | $1,461 | $3,086-52.7% | $2,916-49.9% | $4,663-68.7% |
| Participant deferral / active EE | $4,655 | $4,647+0.2% | $4,323+7.7% | $6,689-30.4% |
| Admin fee / account holder | $12,284 | $8,434+45.6% | $7,360+66.9% | $13,390-8.3% |