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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 | $222,303 | $175,231+26.9% | $149,696+48.5% | $139,466+59.4% |
| Participation rate | 57.1% | 83.4%-26.2pp | 78.8%-21.6pp | 80.3%-23.2pp |
| Annual return | 18.56% | 166.77%-148.2pp | 134.46%-115.9pp | 373.66%-355.1pp |
| Employer contribution / active EE | $2,127 | $5,478-61.2% | $4,821-55.9% | $4,754-55.3% |
| Participant deferral / active EE | $4,973 | $6,521-23.7% | $5,682-12.5% | $6,712-25.9% |
| Admin fee / account holder | $953 | $16,155-94.1% | $13,212-92.8% | $11,409-91.6% |