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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 | $136,843 | $70,366+94.5% | $66,674+105.2% | $138,895-1.5% |
| Participation rate | 41.7% | 76.2%-34.5pp | 73.7%-32.0pp | 79.9%-38.3pp |
| Annual return | 13.27% | 386.41%-373.1pp | 321.24%-308.0pp | 145.39%-132.1pp |
| Employer contribution / active EE | $1,584 | $2,765-42.7% | $2,620-39.5% | $4,194-62.2% |
| Participant deferral / active EE | $5,962 | $4,374+36.3% | $4,084+46.0% | $6,396-6.8% |
| Admin fee / account holder | $1,987 | $5,262-62.2% | $5,098-61.0% | $12,562-84.2% |