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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 | $157,257 | $109,411+43.7% | $89,435+75.8% | $158,982-1.1% |
| Participation rate | 69.2% | 74.3%-5.0pp | 68.0%+1.2pp | 82.0%-12.7pp |
| Annual return | 13.20% | 345.68%-332.5pp | 245.55%-232.4pp | 302.99%-289.8pp |
| Employer contribution / active EE | $723 | $3,173-77.2% | $2,587-72.0% | $4,763-84.8% |
| Participant deferral / active EE | $1,587 | $4,600-65.5% | $3,890-59.2% | $5,983-73.5% |
| Admin fee / account holder | $13,874 | $6,159+125.3% | $4,884+184.1% | $11,252+23.3% |