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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 | $128,495 | $111,535+15.2% | $105,223+22.1% | $137,256-6.4% |
| Participation rate | 31.6% | 78.1%-46.5pp | 75.0%-43.5pp | 80.0%-48.4pp |
| Annual return | 15.90% | 237.85%-222.0pp | 180.65%-164.8pp | 220.34%-204.4pp |
| Employer contribution / active EE | $1,436 | $3,939-63.5% | $3,689-61.1% | $4,156-65.4% |
| Participant deferral / active EE | $3,460 | $5,500-37.1% | $5,072-31.8% | $6,407-46.0% |
| Admin fee / account holder | $4,623 | $9,721-52.4% | $8,859-47.8% | $12,270-62.3% |