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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 | $156,991 | $97,732+60.6% | $83,831+87.3% | $135,380+16.0% |
| Participation rate | 66.7% | 80.0%-13.3pp | 76.1%-9.5pp | 82.6%-16.0pp |
| Annual return | 9.21% | 1287.56%-1278.3pp | 850.99%-841.8pp | 519.81%-510.6pp |
| Employer contribution / active EE | $1,539 | $4,222-63.5% | $3,631-57.6% | $4,779-67.8% |
| Participant deferral / active EE | $5,337 | $4,683+14.0% | $4,082+30.8% | $5,609-4.8% |
| Admin fee / account holder | $3,817 | $6,675-42.8% | $5,479-30.3% | $10,828-64.7% |