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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 | $143,628 | $102,385+40.3% | $147,080-2.3% | $80,935+77.5% |
| Participation rate | 55.0% | 75.9%-20.9pp | 82.2%-27.2pp | 67.7%-12.7pp |
| Annual return | 45.36% | 135.09%-89.7pp | 420.17%-374.8pp | 35.66%+9.7pp |
| Employer contribution / active EE | $1,968 | $3,717-47.1% | $4,933-60.1% | $2,757-28.6% |
| Participant deferral / active EE | $4,906 | $6,651-26.2% | $8,066-39.2% | $4,299+14.1% |
| Admin fee / account holder | $13,859 | $7,951+74.3% | $12,989+6.7% | $6,924+100.1% |