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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 | $133,450 | $90,489+47.5% | $76,051+75.5% | $145,978-8.6% |
| Participation rate | 23.1% | 74.5%-51.4pp | 69.1%-46.0pp | 80.3%-57.2pp |
| Annual return | 12.96% | 622.78%-609.8pp | 360.42%-347.5pp | 550.52%-537.6pp |
| Employer contribution / active EE | $706 | $3,319-78.7% | $2,690-73.8% | $4,662-84.9% |
| Participant deferral / active EE | $3,145 | $5,164-39.1% | $4,257-26.1% | $6,690-53.0% |
| Admin fee / account holder | $3,511 | $8,374-58.1% | $6,416-45.3% | $13,400-73.8% |