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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 | $164,037 | $107,353+52.8% | $92,903+76.6% | $152,885+7.3% |
| Participation rate | 36.4% | 79.8%-43.4pp | 76.0%-39.6pp | 82.5%-46.1pp |
| Annual return | 18.79% | 145.62%-126.8pp | 109.43%-90.6pp | 345.39%-326.6pp |
| Employer contribution / active EE | $1,759 | $4,222-58.3% | $3,653-51.8% | $4,763-63.1% |
| Participant deferral / active EE | $3,922 | $4,848-19.1% | $4,238-7.4% | $5,851-33.0% |
| Admin fee / account holder | $13,532 | $7,081+91.1% | $5,795+133.5% | $11,598+16.7% |