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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 | $166,556 | $106,918+55.8% | $84,021+98.2% | $152,897+8.9% |
| Participation rate | 41.2% | 75.2%-34.1pp | 69.0%-27.8pp | 82.5%-41.3pp |
| Annual return | 18.83% | 105.01%-86.2pp | 71.32%-52.5pp | 345.43%-326.6pp |
| Employer contribution / active EE | $1,696 | $2,735-38.0% | $1,984-14.5% | $4,764-64.4% |
| Participant deferral / active EE | $2,654 | $4,012-33.8% | $3,239-18.0% | $5,851-54.6% |
| Admin fee / account holder | $1,729 | $8,288-79.1% | $6,102-71.7% | $11,599-85.1% |