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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 | $80,902 | $65,575+23.4% | $86,209-6.2% | $75,181+7.6% |
| Participation rate | 37.9% | 60.5%-22.6pp | 69.0%-31.0pp | 67.2%-29.3pp |
| Annual return | 17.34% | 46.07%-28.7pp | 1169.05%-1151.7pp | 160.69%-143.3pp |
| Employer contribution / active EE | $802 | $1,553-48.3% | $2,381-66.3% | $2,671-70.0% |
| Participant deferral / active EE | $3,476 | $3,023+15.0% | $3,986-12.8% | $4,126-15.8% |
| Admin fee / account holder | $6,028 | $5,470+10.2% | $6,853-12.0% | $5,650+6.7% |