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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 | $130,716 | $85,171+53.5% | $172,752-24.3% | $72,975+79.1% |
| Participation rate | 65.5% | 70.1%-4.5pp | 82.6%-17.1pp | 69.5%-4.0pp |
| Annual return | 22.84% | 27.32%-4.5pp | 802.97%-780.1pp | 81.01%-58.2pp |
| Employer contribution / active EE | $12,179 | $3,324+266.4% | $5,144+136.8% | $2,440+399.1% |
| Participant deferral / active EE | $8,785 | $3,260+169.5% | $5,198+69.0% | $3,608+143.5% |
| Admin fee / account holder | $6,704 | $5,880+14.0% | $13,955-52.0% | $5,124+30.8% |