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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 | $136,191 | $100,139+36.0% | $85,187+59.9% | $145,884-6.6% |
| Participation rate | 62.5% | 74.1%-11.6pp | 67.5%-5.0pp | 80.3%-17.8pp |
| Annual return | 17.48% | 84.15%-66.7pp | 66.67%-49.2pp | 551.85%-534.4pp |
| Employer contribution / active EE | $1,960 | $3,238-39.5% | $2,732-28.3% | $4,662-58.0% |
| Participant deferral / active EE | $7,235 | $5,296+36.6% | $4,525+59.9% | $6,690+8.2% |
| Admin fee / account holder | $1,357 | $7,262-81.3% | $6,162-78.0% | $13,392-89.9% |