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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 | $91,710 | $58,311+57.3% | $81,882+12.0% | $80,959+13.3% |
| Participation rate | 55.8% | 63.5%-7.7pp | 72.4%-16.6pp | 67.7%-11.9pp |
| Annual return | 13.44% | 41.85%-28.4pp | 779.47%-766.0pp | 35.67%-22.2pp |
| Employer contribution / active EE | $2,409 | $2,347+2.7% | $2,916-17.4% | $2,757-12.6% |
| Participant deferral / active EE | $3,347 | $3,287+1.8% | $4,323-22.6% | $4,300-22.2% |
| Admin fee / account holder | $8,823 | $4,752+85.7% | $7,360+19.9% | $6,925+27.4% |