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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 | $144,122 | $105,200+37.0% | $159,474-9.6% | $85,847+67.9% |
| Participation rate | 41.8% | 75.8%-34.0pp | 82.8%-41.0pp | 69.3%-27.5pp |
| Annual return | 14.21% | 45.08%-30.9pp | 263.68%-249.5pp | 318.61%-304.4pp |
| Employer contribution / active EE | $1,832 | $3,319-44.8% | $4,831-62.1% | $2,565-28.6% |
| Participant deferral / active EE | $3,166 | $5,946-46.7% | $7,353-56.9% | $3,952-19.9% |
| Admin fee / account holder | $4,214 | $6,934-39.2% | $10,802-61.0% | $6,261-32.7% |