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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 | $117,412 | $105,856+10.9% | $90,161+30.2% | $147,586-20.4% |
| Participation rate | 52.9% | 79.7%-26.8pp | 76.9%-23.9pp | 82.8%-29.9pp |
| Annual return | 13.88% | 37.63%-23.7pp | 34.89%-21.0pp | 578.59%-564.7pp |
| Employer contribution / active EE | $1,458 | $4,126-64.7% | $3,318-56.1% | $4,876-70.1% |
| Participant deferral / active EE | $4,625 | $5,733-19.3% | $5,287-12.5% | $5,439-15.0% |
| Admin fee / account holder | $919 | $8,046-88.6% | $5,943-84.5% | $10,886-91.6% |