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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 | $201,475 | $150,435+33.9% | $120,580+67.1% | $145,897+38.1% |
| Participation rate | 45.8% | 78.8%-33.0pp | 72.0%-26.1pp | 80.3%-34.5pp |
| Annual return | 11.77% | 154.60%-142.8pp | 107.48%-95.7pp | 552.29%-540.5pp |
| Employer contribution / active EE | $1,053 | $4,352-75.8% | $3,469-69.6% | $4,663-77.4% |
| Participant deferral / active EE | $3,468 | $6,174-43.8% | $4,995-30.6% | $6,689-48.1% |
| Admin fee / account holder | $8,043 | $12,182-34.0% | $9,418-14.6% | $13,390-39.9% |