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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 | $198,516 | $114,130+73.9% | $96,192+106.4% | $167,553+18.5% |
| Participation rate | 20.0% | 75.1%-55.1pp | 68.4%-48.4pp | 82.1%-62.1pp |
| Annual return | 14.77% | 190.07%-175.3pp | 192.09%-177.3pp | 478.89%-464.1pp |
| Employer contribution / active EE | $1,096 | $3,431-68.1% | $2,799-60.9% | $4,840-77.4% |
| Participant deferral / active EE | $1,286 | $5,198-75.3% | $4,351-70.4% | $6,343-79.7% |
| Admin fee / account holder | $1,612 | $6,901-76.6% | $5,539-70.9% | $12,316-86.9% |