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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 | $166,956 | $90,691+84.1% | $76,119+119.3% | $145,884+14.4% |
| Participation rate | 63.6% | 74.5%-10.8pp | 69.1%-5.4pp | 80.3%-16.7pp |
| Annual return | 11.88% | 624.52%-612.6pp | 361.25%-349.4pp | 551.85%-540.0pp |
| Employer contribution / active EE | $2,330 | $3,329-30.0% | $2,693-13.5% | $4,662-50.0% |
| Participant deferral / active EE | $9,902 | $5,167+91.6% | $4,259+132.5% | $6,690+48.0% |
| Admin fee / account holder | $3,700 | $8,383-55.9% | $6,421-42.4% | $13,392-72.4% |