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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 | $160,580 | $109,344+46.9% | $89,400+79.6% | $158,950+1.0% |
| Participation rate | 30.0% | 74.3%-44.3pp | 68.0%-38.0pp | 82.0%-52.0pp |
| Annual return | 12.31% | 345.73%-333.4pp | 245.64%-233.3pp | 302.91%-290.6pp |
| Employer contribution / active EE | $858 | $3,170-72.9% | $2,586-66.8% | $4,762-82.0% |
| Participant deferral / active EE | $3,223 | $4,599-29.9% | $3,890-17.2% | $5,983-46.1% |
| Admin fee / account holder | $22,928 | $6,154+272.6% | $4,882+369.7% | $11,248+103.8% |