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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 | $90,175 | $68,394+31.8% | $94,672-4.8% | $75,177+19.9% |
| Participation rate | 61.2% | 76.1%-14.9pp | 80.8%-19.6pp | 67.2%-6.0pp |
| Annual return | 23.98% | 616.92%-592.9pp | 156.89%-132.9pp | 160.75%-136.8pp |
| Employer contribution / active EE | $1,718 | $2,701-36.4% | $3,673-53.2% | $2,671-35.7% |
| Participant deferral / active EE | $3,346 | $6,536-48.8% | $7,417-54.9% | $4,126-18.9% |
| Admin fee / account holder | $14,988 | $5,326+181.4% | $7,222+107.5% | $5,651+165.2% |