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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 | $248,612 | $175,231+41.9% | $149,696+66.1% | $139,466+78.3% |
| Participation rate | 33.3% | 83.4%-50.1pp | 78.8%-45.4pp | 80.3%-47.0pp |
| Annual return | 18.44% | 166.77%-148.3pp | 134.46%-116.0pp | 373.66%-355.2pp |
| Employer contribution / active EE | $1,333 | $5,478-75.7% | $4,821-72.3% | $4,754-72.0% |
| Participant deferral / active EE | $6,500 | $6,521-0.3% | $5,682+14.4% | $6,712-3.2% |
| Admin fee / account holder | $1,022 | $16,155-93.7% | $13,212-92.3% | $11,409-91.0% |