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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 | $129,528 | $80,812+60.3% | $160,784-19.4% | $82,448+57.1% |
| Participation rate | 57.1% | 66.2%-9.1pp | 77.0%-19.8pp | 68.1%-10.9pp |
| Annual return | 17.00% | 100.59%-83.6pp | 1803.92%-1786.9pp | 41.64%-24.6pp |
| Employer contribution / active EE | $2,558 | $2,174+17.7% | $3,733-31.5% | $2,551+0.3% |
| Participant deferral / active EE | $5,585 | $4,335+28.8% | $6,293-11.2% | $4,139+34.9% |
| Admin fee / account holder | $2,016 | $7,695-73.8% | $9,717-79.3% | $7,234-72.1% |