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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 | $157,918 | $63,346+149.3% | $92,240+71.2% | $70,126+125.2% |
| Participation rate | 40.0% | 68.7%-28.7pp | 76.5%-36.5pp | 69.5%-29.5pp |
| Annual return | 13.01% | 530.19%-517.2pp | 176.29%-163.3pp | 73.15%-60.1pp |
| Employer contribution / active EE | $3,700 | $2,471+49.7% | $3,680+0.6% | $2,343+58.0% |
| Participant deferral / active EE | $1,330 | $2,854-53.4% | $3,897-65.9% | $3,332-60.1% |
| Admin fee / account holder | $1,480 | $3,841-61.5% | $5,194-71.5% | $4,645-68.1% |