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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 | $162,585 | $109,411+48.6% | $89,435+81.8% | $158,982+2.3% |
| Participation rate | 14.3% | 74.3%-60.0pp | 68.0%-53.7pp | 82.0%-67.7pp |
| Annual return | 15.45% | 345.68%-330.2pp | 245.55%-230.1pp | 302.99%-287.5pp |
| Employer contribution / active EE | $763 | $3,173-76.0% | $2,587-70.5% | $4,763-84.0% |
| Participant deferral / active EE | $895 | $4,600-80.6% | $3,890-77.0% | $5,983-85.0% |
| Admin fee / account holder | $1,599 | $6,159-74.0% | $4,884-67.3% | $11,252-85.8% |