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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 | $100,470 | $49,896+101.4% | $80,627+24.6% | $75,173+33.7% |
| Participation rate | 35.3% | 55.3%-20.0pp | 67.0%-31.7pp | 67.2%-31.9pp |
| Annual return | 28.66% | 34.67%-6.0pp | 936.76%-908.1pp | 160.72%-132.1pp |
| Employer contribution / active EE | $1,926 | $1,699+13.4% | $2,723-29.2% | $2,671-27.9% |
| Participant deferral / active EE | $3,414 | $2,992+14.1% | $4,443-23.2% | $4,126-17.3% |
| Admin fee / account holder | $828 | $3,578-76.9% | $5,381-84.6% | $5,651-85.4% |