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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 | $179,207 | $109,967+63.0% | $97,197+84.4% | $145,877+22.8% |
| Participation rate | 44.4% | 76.0%-31.5pp | 72.7%-28.2pp | 80.3%-35.9pp |
| Annual return | 8.07% | 244.27%-236.2pp | 75.47%-67.4pp | 551.28%-543.2pp |
| Employer contribution / active EE | $1,104 | $3,077-64.1% | $2,723-59.4% | $4,663-76.3% |
| Participant deferral / active EE | $2,769 | $4,676-40.8% | $4,263-35.1% | $6,691-58.6% |
| Admin fee / account holder | $1,315 | $6,199-78.8% | $5,637-76.7% | $13,402-90.2% |