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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 | $183,283 | $148,629+23.3% | $135,982+34.8% | $139,487+31.4% |
| Participation rate | 53.8% | 83.9%-30.0pp | 81.9%-28.1pp | 80.3%-26.5pp |
| Annual return | 23.17% | 79.33%-56.2pp | 68.32%-45.2pp | 373.84%-350.7pp |
| Employer contribution / active EE | $1,391 | $5,247-73.5% | $4,859-71.4% | $4,755-70.7% |
| Participant deferral / active EE | $6,179 | $8,102-23.7% | $7,760-20.4% | $6,713-8.0% |
| Admin fee / account holder | $418 | $12,406-96.6% | $10,767-96.1% | $11,407-96.3% |