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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 | $114,148 | $110,093+3.7% | $97,295+17.3% | $145,897-21.8% |
| Participation rate | 58.3% | 75.9%-17.6pp | 72.7%-14.3pp | 80.3%-22.0pp |
| Annual return | 13.93% | 244.76%-230.8pp | 75.62%-61.7pp | 552.29%-538.4pp |
| Employer contribution / active EE | $1,499 | $3,077-51.3% | $2,723-45.0% | $4,663-67.9% |
| Participant deferral / active EE | $2,779 | $4,678-40.6% | $4,264-34.8% | $6,689-58.5% |
| Admin fee / account holder | $587 | $6,212-90.6% | $5,646-89.6% | $13,390-95.6% |