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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 | $135,885 | $134,817+0.8% | $123,973+9.6% | $155,188-12.4% |
| Participation rate | 40.0% | 79.4%-39.4pp | 76.7%-36.7pp | 80.8%-40.8pp |
| Annual return | 18.26% | 515.49%-497.2pp | 388.13%-369.9pp | 148.84%-130.6pp |
| Employer contribution / active EE | $1,088 | $4,425-75.4% | $4,126-73.6% | $4,248-74.4% |
| Participant deferral / active EE | $6,437 | $5,706+12.8% | $5,247+22.7% | $6,531-1.4% |
| Admin fee / account holder | $922 | $13,245-93.0% | $11,799-92.2% | $14,480-93.6% |