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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 | $172,401 | $100,139+72.2% | $85,187+102.4% | $145,884+18.2% |
| Participation rate | 63.2% | 74.1%-10.9pp | 67.5%-4.4pp | 80.3%-17.1pp |
| Annual return | 18.06% | 84.15%-66.1pp | 66.67%-48.6pp | 551.85%-533.8pp |
| Employer contribution / active EE | $1,787 | $3,238-44.8% | $2,732-34.6% | $4,662-61.7% |
| Participant deferral / active EE | $4,203 | $5,296-20.6% | $4,525-7.1% | $6,690-37.2% |
| Admin fee / account holder | $1,203 | $7,262-83.4% | $6,162-80.5% | $13,392-91.0% |