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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 | $133,015 | $88,815+49.8% | $81,882+62.4% | $145,897-8.8% |
| Participation rate | 58.3% | 75.1%-16.7pp | 72.4%-14.1pp | 80.3%-22.0pp |
| Annual return | 13.25% | 1033.75%-1020.5pp | 779.47%-766.2pp | 552.29%-539.0pp |
| Employer contribution / active EE | $2,167 | $3,086-29.8% | $2,916-25.7% | $4,663-53.5% |
| Participant deferral / active EE | $8,567 | $4,647+84.3% | $4,323+98.2% | $6,689+28.1% |
| Admin fee / account holder | $4,479 | $8,434-46.9% | $7,360-39.1% | $13,390-66.6% |