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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 | $101,017 | $85,766+17.8% | $136,298-25.9% | $70,126+44.1% |
| Participation rate | 61.7% | 74.2%-12.5pp | 81.9%-20.2pp | 69.5%-7.8pp |
| Annual return | 16.39% | 31.46%-15.1pp | 5156.27%-5139.9pp | 73.15%-56.8pp |
| Employer contribution / active EE | $2,174 | $2,966-26.7% | $4,696-53.7% | $2,343-7.2% |
| Participant deferral / active EE | $4,474 | $5,051-11.4% | $6,247-28.4% | $3,332+34.3% |
| Admin fee / account holder | $1,801 | $5,421-66.8% | $9,244-80.5% | $4,645-61.2% |