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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 | $103,737 | $72,071+43.9% | $68,368+51.7% | $137,256-24.4% |
| Participation rate | 38.9% | 76.2%-37.3pp | 73.8%-34.9pp | 80.0%-41.1pp |
| Annual return | 18.52% | 353.14%-334.6pp | 292.57%-274.0pp | 220.34%-201.8pp |
| Employer contribution / active EE | $1,910 | $2,788-31.5% | $2,649-27.9% | $4,156-54.0% |
| Participant deferral / active EE | $4,995 | $4,410+13.3% | $4,123+21.2% | $6,407-22.0% |
| Admin fee / account holder | $646 | $5,336-87.9% | $5,150-87.5% | $12,270-94.7% |