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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 | $135,089 | $103,008+31.1% | $90,304+49.6% | $152,897-11.6% |
| Participation rate | 66.7% | 75.9%-9.2pp | 73.3%-6.6pp | 82.5%-15.8pp |
| Annual return | 30.31% | 95.22%-64.9pp | 78.13%-47.8pp | 345.43%-315.1pp |
| Employer contribution / active EE | $1,869 | $3,139-40.5% | $2,855-34.5% | $4,764-60.8% |
| Participant deferral / active EE | $8,780 | $4,281+105.1% | $3,885+126.0% | $5,851+50.1% |
| Admin fee / account holder | $434 | $6,175-93.0% | $5,354-91.9% | $11,599-96.3% |