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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 | $159,169 | $88,702+79.4% | $81,780+94.6% | $145,978+9.0% |
| Participation rate | 66.7% | 75.0%-8.4pp | 72.4%-5.7pp | 80.3%-13.6pp |
| Annual return | 13.20% | 1029.12%-1015.9pp | 776.27%-763.1pp | 550.52%-537.3pp |
| Employer contribution / active EE | $1,230 | $3,084-60.1% | $2,914-57.8% | $4,662-73.6% |
| Participant deferral / active EE | $10,477 | $4,645+125.5% | $4,321+142.5% | $6,690+56.6% |
| Admin fee / account holder | $729 | $8,414-91.3% | $7,384-90.1% | $13,400-94.6% |