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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 | $119,089 | $52,353+127.5% | $120,225-0.9% | $82,448+44.4% |
| Participation rate | 20.4% | 58.3%-37.9pp | 69.6%-49.2pp | 68.1%-47.7pp |
| Annual return | 14.78% | 61.85%-47.1pp | 439.23%-424.4pp | 41.64%-26.9pp |
| Employer contribution / active EE | $552 | $1,510-63.5% | $3,475-84.1% | $2,551-78.4% |
| Participant deferral / active EE | $1,043 | $2,627-60.3% | $3,999-73.9% | $4,139-74.8% |
| Admin fee / account holder | $4,172 | $4,363-4.4% | $5,696-26.8% | $7,234-42.3% |