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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 | $145,938 | $85,171+71.3% | $172,752-15.5% | $72,975+100.0% |
| Participation rate | 60.0% | 70.1%-10.1pp | 82.6%-22.6pp | 69.5%-9.5pp |
| Annual return | 22.87% | 27.32%-4.5pp | 802.97%-780.1pp | 81.01%-58.1pp |
| Employer contribution / active EE | $1,599 | $3,324-51.9% | $5,144-68.9% | $2,440-34.5% |
| Participant deferral / active EE | $4,209 | $3,260+29.1% | $5,198-19.0% | $3,608+16.7% |
| Admin fee / account holder | $5,473 | $5,880-6.9% | $13,955-60.8% | $5,124+6.8% |