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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 | $78,588 | $63,346+24.1% | $92,240-14.8% | $70,126+12.1% |
| Participation rate | 55.6% | 68.7%-13.1pp | 76.5%-20.9pp | 69.5%-14.0pp |
| Annual return | 14.65% | 530.19%-515.5pp | 176.29%-161.6pp | 73.15%-58.5pp |
| Employer contribution / active EE | $1,997 | $2,471-19.2% | $3,680-45.7% | $2,343-14.8% |
| Participant deferral / active EE | $4,167 | $2,854+46.0% | $3,897+6.9% | $3,332+25.1% |
| Admin fee / account holder | $1,125 | $3,841-70.7% | $5,194-78.3% | $4,645-75.8% |