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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 | $111,199 | $106,923+4.0% | $84,023+32.3% | $152,909-27.3% |
| Participation rate | 61.9% | 75.3%-13.3pp | 69.0%-7.1pp | 82.5%-20.6pp |
| Annual return | 21.67% | 105.02%-83.3pp | 71.32%-49.7pp | 345.46%-323.8pp |
| Employer contribution / active EE | $992 | $2,735-63.7% | $1,984-50.0% | $4,764-79.2% |
| Participant deferral / active EE | $3,486 | $4,013-13.1% | $3,239+7.6% | $5,851-40.4% |
| Admin fee / account holder | $1,594 | $8,289-80.8% | $6,102-73.9% | $11,601-86.3% |