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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 | $102,094 | $70,366+45.1% | $66,674+53.1% | $138,895-26.5% |
| Participation rate | 61.1% | 76.2%-15.1pp | 73.7%-12.6pp | 79.9%-18.8pp |
| Annual return | 16.77% | 386.41%-369.6pp | 321.24%-304.5pp | 145.39%-128.6pp |
| Employer contribution / active EE | $2,567 | $2,765-7.2% | $2,620-2.0% | $4,194-38.8% |
| Participant deferral / active EE | $7,496 | $4,374+71.4% | $4,084+83.5% | $6,396+17.2% |
| Admin fee / account holder | $1,466 | $5,262-72.1% | $5,098-71.2% | $12,562-88.3% |