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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 | $152,921 | $108,882+40.4% | $96,754+58.1% | $154,746-1.2% |
| Participation rate | 66.7% | 75.1%-8.4pp | 70.3%-3.6pp | 80.7%-14.0pp |
| Annual return | 21.90% | 98.39%-76.5pp | 82.04%-60.1pp | 172.34%-150.4pp |
| Employer contribution / active EE | $1,791 | $3,018-40.7% | $2,679-33.1% | $4,379-59.1% |
| Participant deferral / active EE | $15,049 | $5,323+182.7% | $4,758+216.3% | $6,730+123.6% |
| Admin fee / account holder | $913 | $10,200-91.0% | $8,905-89.7% | $14,365-93.6% |