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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 | $126,781 | $111,535+13.7% | $105,223+20.5% | $137,256-7.6% |
| Participation rate | 30.8% | 78.1%-47.3pp | 75.0%-44.3pp | 80.0%-49.2pp |
| Annual return | 15.02% | 237.85%-222.8pp | 180.65%-165.6pp | 220.34%-205.3pp |
| Employer contribution / active EE | $1,239 | $3,939-68.5% | $3,689-66.4% | $4,156-70.2% |
| Participant deferral / active EE | $4,180 | $5,500-24.0% | $5,072-17.6% | $6,407-34.8% |
| Admin fee / account holder | $2,198 | $9,721-77.4% | $8,859-75.2% | $12,270-82.1% |