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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 | $232,870 | $99,011+135.2% | $86,582+169.0% | $147,586+57.8% |
| Participation rate | 66.7% | 76.3%-9.7pp | 73.5%-6.9pp | 82.8%-16.2pp |
| Annual return | 23.02% | 1312.75%-1289.7pp | 965.08%-942.1pp | 578.59%-555.6pp |
| Employer contribution / active EE | $1,753 | $3,132-44.0% | $2,839-38.3% | $4,876-64.1% |
| Participant deferral / active EE | $4,622 | $3,972+16.4% | $3,609+28.1% | $5,439-15.0% |
| Admin fee / account holder | $13,126 | $5,709+129.9% | $4,904+167.7% | $10,886+20.6% |