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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 | $153,386 | $121,701+26.0% | $104,639+46.6% | $158,982-3.5% |
| Participation rate | 23.1% | 77.5%-54.5pp | 74.1%-51.0pp | 82.0%-58.9pp |
| Annual return | 15.84% | 465.72%-449.9pp | 340.67%-324.8pp | 302.99%-287.2pp |
| Employer contribution / active EE | $1,769 | $3,165-44.1% | $2,682-34.0% | $4,763-62.9% |
| Participant deferral / active EE | $4,015 | $4,176-3.8% | $3,738+7.4% | $5,983-32.9% |
| Admin fee / account holder | $484 | $7,778-93.8% | $6,465-92.5% | $11,252-95.7% |