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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 | $71,547 | $63,346+12.9% | $92,240-22.4% | $70,126+2.0% |
| Participation rate | 66.7% | 68.7%-2.0pp | 76.5%-9.8pp | 69.5%-2.9pp |
| Annual return | 17.61% | 530.19%-512.6pp | 176.29%-158.7pp | 73.15%-55.5pp |
| Employer contribution / active EE | $1,444 | $2,471-41.6% | $3,680-60.8% | $2,343-38.4% |
| Participant deferral / active EE | $3,121 | $2,854+9.4% | $3,897-19.9% | $3,332-6.3% |
| Admin fee / account holder | $793 | $3,841-79.3% | $5,194-84.7% | $4,645-82.9% |