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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 | $106,418 | $104,937+1.4% | $84,628+25.7% | $152,897-30.4% |
| Participation rate | 66.7% | 74.8%-8.2pp | 68.2%-1.6pp | 82.5%-15.8pp |
| Annual return | 20.40% | 373.88%-353.5pp | 258.80%-238.4pp | 345.43%-325.0pp |
| Employer contribution / active EE | $1,139 | $3,303-65.5% | $2,653-57.1% | $4,764-76.1% |
| Participant deferral / active EE | $1,522 | $4,690-67.5% | $3,900-61.0% | $5,851-74.0% |
| Admin fee / account holder | $10,008 | $6,243+60.3% | $4,914+103.7% | $11,599-13.7% |