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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 | $146,054 | $112,121+30.3% | $95,960+52.2% | $158,966-8.1% |
| Participation rate | 65.0% | 79.0%-14.0pp | 77.1%-12.1pp | 82.0%-17.0pp |
| Annual return | 19.43% | 171.16%-151.7pp | 91.63%-72.2pp | 302.95%-283.5pp |
| Employer contribution / active EE | $1,906 | $3,199-40.4% | $2,541-25.0% | $4,762-60.0% |
| Participant deferral / active EE | $4,025 | $4,784-15.9% | $4,167-3.4% | $5,983-32.7% |
| Admin fee / account holder | $1,806 | $10,135-82.2% | $6,797-73.4% | $11,250-83.9% |