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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 | $120,086 | $98,766+21.6% | $149,730-19.8% | $79,852+50.4% |
| Participation rate | 53.3% | 75.8%-22.4pp | 82.5%-29.1pp | 69.6%-16.3pp |
| Annual return | 13.69% | 27.43%-13.7pp | 276.70%-263.0pp | 31.72%-18.0pp |
| Employer contribution / active EE | $2,218 | $3,217-31.1% | $4,645-52.3% | $2,471-10.2% |
| Participant deferral / active EE | $5,074 | $5,681-10.7% | $6,843-25.8% | $3,740+35.7% |
| Admin fee / account holder | $1,456 | $6,052-75.9% | $9,310-84.4% | $5,306-72.6% |