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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 | $184,342 | $155,833+18.3% | $124,693+47.8% | $167,536+10.0% |
| Participation rate | 61.1% | 81.1%-20.0pp | 74.6%-13.5pp | 82.1%-21.0pp |
| Annual return | 13.23% | 17.98%-4.7pp | 5144.19%-5131.0pp | 478.82%-465.6pp |
| Employer contribution / active EE | $1,239 | $4,164-70.3% | $3,324-62.7% | $4,839-74.4% |
| Participant deferral / active EE | $4,640 | $5,675-18.2% | $4,615+0.5% | $6,342-26.8% |
| Admin fee / account holder | $814 | $9,534-91.5% | $7,494-89.1% | $12,315-93.4% |