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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 | $216,679 | $175,259+23.6% | $149,723+44.7% | $139,487+55.3% |
| Participation rate | 33.3% | 83.4%-50.1pp | 78.8%-45.4pp | 80.3%-47.0pp |
| Annual return | 14.67% | 166.82%-152.1pp | 134.50%-119.8pp | 373.84%-359.2pp |
| Employer contribution / active EE | $1,101 | $5,478-79.9% | $4,821-77.2% | $4,755-76.8% |
| Participant deferral / active EE | $3,886 | $6,522-40.4% | $5,682-31.6% | $6,713-42.1% |
| Admin fee / account holder | $1,955 | $16,158-87.9% | $13,215-85.2% | $11,407-82.9% |