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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 | $112,793 | $132,099-14.6% | $115,599-2.4% | $138,895-18.8% |
| Participation rate | 43.8% | 77.9%-34.1pp | 74.3%-30.5pp | 79.9%-36.2pp |
| Annual return | 17.07% | 176.76%-159.7pp | 111.10%-94.0pp | 145.39%-128.3pp |
| Employer contribution / active EE | $1,804 | $3,416-47.2% | $2,955-38.9% | $4,194-57.0% |
| Participant deferral / active EE | $9,282 | $5,617+65.3% | $4,889+89.8% | $6,396+45.1% |
| Admin fee / account holder | $1,459 | $15,650-90.7% | $12,841-88.6% | $12,562-88.4% |