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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 | $89,583 | $80,812+10.9% | $160,784-44.3% | $82,448+8.7% |
| Participation rate | 57.4% | 66.2%-8.8pp | 77.0%-19.5pp | 68.1%-10.6pp |
| Annual return | 23.41% | 100.59%-77.2pp | 1803.92%-1780.5pp | 41.64%-18.2pp |
| Employer contribution / active EE | $2,366 | $2,174+8.8% | $3,733-36.6% | $2,551-7.3% |
| Participant deferral / active EE | $5,715 | $4,335+31.8% | $6,293-9.2% | $4,139+38.1% |
| Admin fee / account holder | $7,313 | $7,695-5.0% | $9,717-24.7% | $7,234+1.1% |