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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 | $145,915 | $103,008+41.7% | $90,304+61.6% | $152,897-4.6% |
| Participation rate | 36.4% | 75.9%-39.5pp | 73.3%-36.9pp | 82.5%-46.1pp |
| Annual return | 20.08% | 95.22%-75.1pp | 78.13%-58.1pp | 345.43%-325.4pp |
| Employer contribution / active EE | $1,296 | $3,139-58.7% | $2,855-54.6% | $4,764-72.8% |
| Participant deferral / active EE | $4,764 | $4,281+11.3% | $3,885+22.6% | $5,851-18.6% |
| Admin fee / account holder | $4,816 | $6,175-22.0% | $5,354-10.0% | $11,599-58.5% |