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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 | $119,939 | $86,288+39.0% | $111,306+7.8% | $85,851+39.7% |
| Participation rate | 65.5% | 73.3%-7.8pp | 77.3%-11.8pp | 69.3%-3.8pp |
| Annual return | 24.73% | 19.99%+4.7pp | 54.67%-29.9pp | 318.63%-293.9pp |
| Employer contribution / active EE | $1,078 | $2,044-47.3% | $2,732-60.5% | $2,565-58.0% |
| Participant deferral / active EE | $3,290 | $3,641-9.6% | $4,488-26.7% | $3,952-16.7% |
| Admin fee / account holder | $1,090 | $8,189-86.7% | $7,966-86.3% | $6,261-82.6% |