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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 | $125,349 | $110,629+13.3% | $80,784+55.2% | $167,553-25.2% |
| Participation rate | 65.0% | 64.0%+1.0pp | 54.2%+10.8pp | 82.1%-17.1pp |
| Annual return | 12.91% | 120.58%-107.7pp | 87.31%-74.4pp | 478.89%-466.0pp |
| Employer contribution / active EE | $803 | $1,543-48.0% | $1,160-30.8% | $4,840-83.4% |
| Participant deferral / active EE | $3,957 | $2,871+37.9% | $2,145+84.5% | $6,343-37.6% |
| Admin fee / account holder | $65,810 | $4,547+1347.4% | $3,380+1847.0% | $12,316+434.3% |