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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 | $109,059 | $98,766+10.4% | $149,730-27.2% | $79,852+36.6% |
| Participation rate | 69.2% | 75.8%-6.6pp | 82.5%-13.3pp | 69.6%-0.4pp |
| Annual return | 20.14% | 27.43%-7.3pp | 276.70%-256.6pp | 31.72%-11.6pp |
| Employer contribution / active EE | $807 | $3,217-74.9% | $4,645-82.6% | $2,471-67.4% |
| Participant deferral / active EE | $7,684 | $5,681+35.3% | $6,843+12.3% | $3,740+105.4% |
| Admin fee / account holder | $24,571 | $6,052+306.0% | $9,310+163.9% | $5,306+363.0% |