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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 | $116,525 | $112,915+3.2% | $90,965+28.1% | $158,950-26.7% |
| Participation rate | 68.2% | 74.7%-6.6pp | 69.0%-0.8pp | 82.0%-13.8pp |
| Annual return | 18.64% | 215.75%-197.1pp | 134.57%-115.9pp | 302.91%-284.3pp |
| Employer contribution / active EE | $1,168 | $2,894-59.6% | $2,122-45.0% | $4,762-75.5% |
| Participant deferral / active EE | $2,868 | $4,128-30.5% | $3,373-15.0% | $5,983-52.1% |
| Admin fee / account holder | $1,012 | $8,044-87.4% | $5,960-83.0% | $11,248-91.0% |