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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 | $166,820 | $123,854+34.7% | $69,623+139.6% | $145,884+14.4% |
| Participation rate | 37.5% | 69.2%-31.7pp | 66.4%-28.9pp | 80.3%-42.8pp |
| Annual return | 12.25% | 192.35%-180.1pp | 101.23%-89.0pp | 551.85%-539.6pp |
| Employer contribution / active EE | $2,689 | $2,673+0.6% | $1,709+57.3% | $4,662-42.3% |
| Participant deferral / active EE | $4,750 | $4,242+12.0% | $2,890+64.4% | $6,690-29.0% |
| Admin fee / account holder | $575 | $7,822-92.7% | $4,696-87.8% | $13,392-95.7% |