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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 | $133,062 | $103,387+28.7% | $87,102+52.8% | $152,885-13.0% |
| Participation rate | 66.7% | 79.4%-12.7pp | 76.9%-10.2pp | 82.5%-15.8pp |
| Annual return | 22.74% | 28.10%-5.4pp | 28.19%-5.4pp | 345.39%-322.6pp |
| Employer contribution / active EE | $1,048 | $3,221-67.5% | $2,521-58.4% | $4,763-78.0% |
| Participant deferral / active EE | $4,217 | $4,778-11.7% | $4,048+4.2% | $5,851-27.9% |
| Admin fee / account holder | $313 | $12,193-97.4% | $7,491-95.8% | $11,598-97.3% |