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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 | $82,391 | $90,614-9.1% | $76,089+8.3% | $145,877-43.5% |
| Participation rate | 38.5% | 74.5%-36.0pp | 69.1%-30.6pp | 80.3%-41.8pp |
| Annual return | 16.42% | 623.80%-607.4pp | 360.94%-344.5pp | 551.28%-534.9pp |
| Employer contribution / active EE | $1,686 | $3,324-49.3% | $2,690-37.3% | $4,663-63.9% |
| Participant deferral / active EE | $8,668 | $5,168+67.7% | $4,259+103.5% | $6,691+29.6% |
| Admin fee / account holder | $2,559 | $8,376-69.4% | $6,418-60.1% | $13,402-80.9% |