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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 | $96,356 | $89,370+7.8% | $141,197-31.8% | $72,976+32.0% |
| Participation rate | 61.9% | 75.1%-13.2pp | 82.5%-20.6pp | 69.5%-7.6pp |
| Annual return | 22.90% | 111.88%-89.0pp | 71.41%-48.5pp | 81.02%-58.1pp |
| Employer contribution / active EE | $1,078 | $3,115-65.4% | $4,736-77.2% | $2,440-55.8% |
| Participant deferral / active EE | $2,979 | $5,419-45.0% | $6,710-55.6% | $3,608-17.4% |
| Admin fee / account holder | $416 | $5,957-93.0% | $10,265-95.9% | $5,124-91.9% |