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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 | $122,438 | $70,366+74.0% | $66,674+83.6% | $138,895-11.8% |
| Participation rate | 63.2% | 76.2%-13.0pp | 73.7%-10.5pp | 79.9%-16.8pp |
| Annual return | 18.46% | 386.41%-367.9pp | 321.24%-302.8pp | 145.39%-126.9pp |
| Employer contribution / active EE | $1,728 | $2,765-37.5% | $2,620-34.0% | $4,194-58.8% |
| Participant deferral / active EE | $5,276 | $4,374+20.6% | $4,084+29.2% | $6,396-17.5% |
| Admin fee / account holder | $1,017 | $5,262-80.7% | $5,098-80.0% | $12,562-91.9% |