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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 | $129,154 | $111,830+15.5% | $93,696+37.8% | $145,884-11.5% |
| Participation rate | 66.7% | 74.2%-7.6pp | 68.7%-2.1pp | 80.3%-13.6pp |
| Annual return | 10.34% | 204.08%-193.7pp | 133.74%-123.4pp | 551.85%-541.5pp |
| Employer contribution / active EE | $4,653 | $3,093+50.4% | $2,422+92.1% | $4,662-0.2% |
| Participant deferral / active EE | $7,856 | $4,920+59.7% | $4,417+77.9% | $6,690+17.4% |
| Admin fee / account holder | $2,811 | $10,249-72.6% | $8,287-66.1% | $13,392-79.0% |