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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 | $99,248 | $63,342+56.7% | $92,236+7.6% | $70,131+41.5% |
| Participation rate | 60.7% | 68.7%-8.0pp | 76.5%-15.8pp | 69.5%-8.8pp |
| Annual return | 19.92% | 530.15%-510.2pp | 176.29%-156.4pp | 73.14%-53.2pp |
| Employer contribution / active EE | $2,142 | $2,471-13.3% | $3,679-41.8% | $2,342-8.6% |
| Participant deferral / active EE | $3,580 | $2,854+25.4% | $3,897-8.1% | $3,332+7.4% |
| Admin fee / account holder | $414 | $3,840-89.2% | $5,194-92.0% | $4,645-91.1% |