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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 | $102,521 | $64,359+59.3% | $90,161+13.7% | $70,126+46.2% |
| Participation rate | 62.1% | 70.4%-8.4pp | 76.9%-14.8pp | 69.5%-7.5pp |
| Annual return | 363.83% | 28.13%+335.7pp | 34.89%+328.9pp | 73.15%+290.7pp |
| Employer contribution / active EE | $1,924 | $2,046-6.0% | $3,318-42.0% | $2,343-17.9% |
| Participant deferral / active EE | $2,572 | $4,389-41.4% | $5,287-51.4% | $3,332-22.8% |
| Admin fee / account holder | $2,443 | $3,945-38.1% | $5,943-58.9% | $4,645-47.4% |