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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 | $99,364 | $52,353+89.8% | $120,225-17.4% | $82,448+20.5% |
| Participation rate | 69.0% | 58.3%+10.7pp | 69.6%-0.6pp | 68.1%+0.9pp |
| Annual return | 15.04% | 61.85%-46.8pp | 439.23%-424.2pp | 41.64%-26.6pp |
| Employer contribution / active EE | $0 | $1,510-100.0% | $3,475-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $4,050 | $2,627+54.2% | $3,999+1.3% | $4,139-2.2% |
| Admin fee / account holder | $1,451 | $4,363-66.7% | $5,696-74.5% | $7,234-79.9% |