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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 | $175,575 | $81,763+114.7% | $58,561+199.8% | $139,466+25.9% |
| Participation rate | 69.2% | 61.3%+7.9pp | 50.9%+18.4pp | 80.3%-11.1pp |
| Annual return | 17.40% | 7427.77%-7410.4pp | 4251.33%-4233.9pp | 373.66%-356.3pp |
| Employer contribution / active EE | $2,175 | $1,398+55.5% | $1,053+106.4% | $4,754-54.3% |
| Participant deferral / active EE | $7,010 | $2,555+174.4% | $1,923+264.5% | $6,712+4.4% |
| Admin fee / account holder | $1,551 | $3,273-52.6% | $2,520-38.4% | $11,409-86.4% |