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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 | $189,498 | $112,121+69.0% | $95,960+97.5% | $158,966+19.2% |
| Participation rate | 62.5% | 79.0%-16.5pp | 77.1%-14.6pp | 82.0%-19.5pp |
| Annual return | 14.29% | 171.16%-156.9pp | 91.63%-77.3pp | 302.95%-288.7pp |
| Employer contribution / active EE | $1,753 | $3,199-45.2% | $2,541-31.0% | $4,762-63.2% |
| Participant deferral / active EE | $6,024 | $4,784+25.9% | $4,167+44.6% | $5,983+0.7% |
| Admin fee / account holder | $1,612 | $10,135-84.1% | $6,797-76.3% | $11,250-85.7% |