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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 | $182,362 | $109,411+66.7% | $89,435+103.9% | $158,982+14.7% |
| Participation rate | 58.3% | 74.3%-15.9pp | 68.0%-9.7pp | 82.0%-23.6pp |
| Annual return | 19.14% | 345.68%-326.5pp | 245.55%-226.4pp | 302.99%-283.8pp |
| Employer contribution / active EE | $2,719 | $3,173-14.3% | $2,587+5.1% | $4,763-42.9% |
| Participant deferral / active EE | $7,432 | $4,600+61.6% | $3,890+91.0% | $5,983+24.2% |
| Admin fee / account holder | $890 | $6,159-85.5% | $4,884-81.8% | $11,252-92.1% |