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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 | $140,790 | $111,787+25.9% | $93,681+50.3% | $145,978-3.6% |
| Participation rate | 33.3% | 74.2%-40.9pp | 68.7%-35.4pp | 80.3%-47.0pp |
| Annual return | 16.91% | 203.52%-186.6pp | 133.47%-116.6pp | 550.52%-533.6pp |
| Employer contribution / active EE | $1,864 | $3,093-39.8% | $2,422-23.1% | $4,662-60.0% |
| Participant deferral / active EE | $4,823 | $4,918-1.9% | $4,415+9.2% | $6,690-27.9% |
| Admin fee / account holder | $608 | $10,256-94.1% | $8,290-92.7% | $13,400-95.5% |