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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 | $130,649 | $116,203+12.4% | $93,621+39.6% | $152,909-14.6% |
| Participation rate | 66.7% | 78.1%-11.4pp | 75.8%-9.2pp | 82.5%-15.8pp |
| Annual return | 26.45% | 35.96%-9.5pp | 32.76%-6.3pp | 345.46%-319.0pp |
| Employer contribution / active EE | $6,956 | $3,219+116.1% | $2,719+155.8% | $4,764+46.0% |
| Participant deferral / active EE | $16,272 | $4,605+253.4% | $4,070+299.9% | $5,851+178.1% |
| Admin fee / account holder | $8,372 | $10,751-22.1% | $7,890+6.1% | $11,601-27.8% |