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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 | $106,173 | $78,707+34.9% | $117,861-9.9% | $70,126+51.4% |
| Participation rate | 56.1% | 73.2%-17.1pp | 79.7%-23.6pp | 69.5%-13.4pp |
| Annual return | 20.93% | 23.30%-2.4pp | 335.11%-314.2pp | 73.15%-52.2pp |
| Employer contribution / active EE | $1,601 | $2,223-28.0% | $3,786-57.7% | $2,343-31.7% |
| Participant deferral / active EE | $4,505 | $3,297+36.6% | $4,482+0.5% | $3,332+35.2% |
| Admin fee / account holder | $3,518 | $5,066-30.6% | $8,021-56.1% | $4,645-24.3% |