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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 | $152,098 | $115,814+31.3% | $101,275+50.2% | $158,982-4.3% |
| Participation rate | 52.6% | 79.4%-26.7pp | 75.8%-23.2pp | 82.0%-29.3pp |
| Annual return | 14.00% | 56.16%-42.2pp | 46.48%-32.5pp | 302.99%-289.0pp |
| Employer contribution / active EE | $1,233 | $4,176-70.5% | $3,660-66.3% | $4,763-74.1% |
| Participant deferral / active EE | $4,241 | $4,958-14.5% | $4,371-3.0% | $5,983-29.1% |
| Admin fee / account holder | $4,312 | $7,249-40.5% | $5,948-27.5% | $11,252-61.7% |