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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 | $101,703 | $72,071+41.1% | $68,368+48.8% | $137,256-25.9% |
| Participation rate | 37.5% | 76.2%-38.7pp | 73.8%-36.3pp | 80.0%-42.5pp |
| Annual return | 22.21% | 353.14%-330.9pp | 292.57%-270.4pp | 220.34%-198.1pp |
| Employer contribution / active EE | $1,183 | $2,788-57.6% | $2,649-55.4% | $4,156-71.5% |
| Participant deferral / active EE | $3,065 | $4,410-30.5% | $4,123-25.7% | $6,407-52.2% |
| Admin fee / account holder | $7,093 | $5,336+32.9% | $5,150+37.7% | $12,270-42.2% |