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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 | $125,262 | $111,830+12.0% | $93,696+33.7% | $145,884-14.1% |
| Participation rate | 33.3% | 74.2%-40.9pp | 68.7%-35.4pp | 80.3%-47.0pp |
| Annual return | 9.89% | 204.08%-194.2pp | 133.74%-123.9pp | 551.85%-542.0pp |
| Employer contribution / active EE | $2,654 | $3,093-14.2% | $2,422+9.6% | $4,662-43.1% |
| Participant deferral / active EE | $10,167 | $4,920+106.6% | $4,417+130.2% | $6,690+52.0% |
| Admin fee / account holder | $728 | $10,249-92.9% | $8,287-91.2% | $13,392-94.6% |