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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 | $166,925 | $81,664+104.4% | $70,476+136.9% | $158,966+5.0% |
| Participation rate | 62.5% | 77.7%-15.2pp | 75.1%-12.6pp | 82.0%-19.5pp |
| Annual return | 26.42% | 208.59%-182.2pp | 109.12%-82.7pp | 302.95%-276.5pp |
| Employer contribution / active EE | $1,643 | $3,219-48.9% | $2,738-40.0% | $4,762-65.5% |
| Participant deferral / active EE | $3,310 | $4,556-27.3% | $3,710-10.8% | $5,983-44.7% |
| Admin fee / account holder | $1,016 | $6,197-83.6% | $3,847-73.6% | $11,250-91.0% |