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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 | $136,843 | $72,071+89.9% | $68,368+100.2% | $137,256-0.3% |
| Participation rate | 41.7% | 76.2%-34.6pp | 73.8%-32.1pp | 80.0%-38.3pp |
| Annual return | 13.27% | 353.14%-339.9pp | 292.57%-279.3pp | 220.34%-207.1pp |
| Employer contribution / active EE | $1,584 | $2,788-43.2% | $2,649-40.2% | $4,156-61.9% |
| Participant deferral / active EE | $5,962 | $4,410+35.2% | $4,123+44.6% | $6,407-6.9% |
| Admin fee / account holder | $1,987 | $5,336-62.8% | $5,150-61.4% | $12,270-83.8% |