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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 | $103,027 | $63,346+62.6% | $92,240+11.7% | $70,126+46.9% |
| Participation rate | 56.1% | 68.7%-12.5pp | 76.5%-20.3pp | 69.5%-13.4pp |
| Annual return | 13.94% | 530.19%-516.3pp | 176.29%-162.4pp | 73.15%-59.2pp |
| Employer contribution / active EE | $1,230 | $2,471-50.2% | $3,680-66.6% | $2,343-47.5% |
| Participant deferral / active EE | $3,275 | $2,854+14.8% | $3,897-16.0% | $3,332-1.7% |
| Admin fee / account holder | $14,784 | $3,841+284.9% | $5,194+184.6% | $4,645+218.2% |