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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 | $105,788 | $70,366+50.3% | $66,674+58.7% | $138,895-23.8% |
| Participation rate | 62.5% | 76.2%-13.7pp | 73.7%-11.2pp | 79.9%-17.4pp |
| Annual return | 14.12% | 386.41%-372.3pp | 321.24%-307.1pp | 145.39%-131.3pp |
| Employer contribution / active EE | $2,396 | $2,765-13.3% | $2,620-8.5% | $4,194-42.9% |
| Participant deferral / active EE | $10,000 | $4,374+128.6% | $4,084+144.9% | $6,396+56.3% |
| Admin fee / account holder | $1,466 | $5,262-72.1% | $5,098-71.2% | $12,562-88.3% |