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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 | $152,330 | $100,938+50.9% | $90,461+68.4% | $158,982-4.2% |
| Participation rate | 57.1% | 75.0%-17.9pp | 72.7%-15.5pp | 82.0%-24.8pp |
| Annual return | 11.99% | 1727.20%-1715.2pp | 1294.76%-1282.8pp | 302.99%-291.0pp |
| Employer contribution / active EE | $1,721 | $3,691-53.4% | $3,264-47.3% | $4,763-63.9% |
| Participant deferral / active EE | $4,562 | $4,350+4.9% | $3,964+15.1% | $5,983-23.8% |
| Admin fee / account holder | $13,659 | $6,510+109.8% | $5,617+143.2% | $11,252+21.4% |