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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 | $156,330 | $111,878+39.7% | $93,727+66.8% | $145,897+7.2% |
| Participation rate | 54.5% | 74.2%-19.7pp | 68.7%-14.2pp | 80.3%-25.8pp |
| Annual return | 19.25% | 204.28%-185.0pp | 133.83%-114.6pp | 552.29%-533.0pp |
| Employer contribution / active EE | $2,091 | $3,092-32.4% | $2,421-13.7% | $4,663-55.2% |
| Participant deferral / active EE | $5,638 | $4,920+14.6% | $4,417+27.6% | $6,689-15.7% |
| Admin fee / account holder | $931 | $10,256-90.9% | $8,292-88.8% | $13,390-93.0% |