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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 | $154,458 | $95,415+61.9% | $185,851-16.9% | $85,851+79.9% |
| Participation rate | 57.9% | 68.8%-10.9pp | 81.7%-23.8pp | 69.3%-11.4pp |
| Annual return | 60.83% | 23.59%+37.2pp | 122.11%-61.3pp | 318.63%-257.8pp |
| Employer contribution / active EE | $1,867 | $3,314-43.7% | $5,168-63.9% | $2,565-27.2% |
| Participant deferral / active EE | $4,962 | $3,424+44.9% | $5,569-10.9% | $3,952+25.6% |
| Admin fee / account holder | $3,886 | $7,215-46.1% | $16,245-76.1% | $6,261-37.9% |