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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 | $78,518 | $63,346+24.0% | $92,240-14.9% | $70,126+12.0% |
| Participation rate | 69.8% | 68.7%+1.2pp | 76.5%-6.6pp | 69.5%+0.3pp |
| Annual return | 16.62% | 530.19%-513.6pp | 176.29%-159.7pp | 73.15%-56.5pp |
| Employer contribution / active EE | $1,443 | $2,471-41.6% | $3,680-60.8% | $2,343-38.4% |
| Participant deferral / active EE | $2,229 | $2,854-21.9% | $3,897-42.8% | $3,332-33.1% |
| Admin fee / account holder | $1,933 | $3,841-49.7% | $5,194-62.8% | $4,645-58.4% |