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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 | $187,731 | $100,203+87.4% | $85,240+120.2% | $145,897+28.7% |
| Participation rate | 12.5% | 74.1%-61.6pp | 67.5%-55.0pp | 80.3%-67.8pp |
| Annual return | 21.27% | 84.28%-63.0pp | 66.75%-45.5pp | 552.29%-531.0pp |
| Employer contribution / active EE | $502 | $3,242-84.5% | $2,735-81.7% | $4,663-89.2% |
| Participant deferral / active EE | $2,551 | $5,299-51.8% | $4,527-43.6% | $6,689-61.9% |
| Admin fee / account holder | $1,259 | $7,265-82.7% | $6,165-79.6% | $13,390-90.6% |