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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 | $117,009 | $89,370+30.9% | $141,197-17.1% | $72,976+60.3% |
| Participation rate | 42.9% | 75.1%-32.3pp | 82.5%-39.6pp | 69.5%-26.6pp |
| Annual return | 29.34% | 111.88%-82.5pp | 71.41%-42.1pp | 81.02%-51.7pp |
| Employer contribution / active EE | $1,197 | $3,115-61.6% | $4,736-74.7% | $2,440-50.9% |
| Participant deferral / active EE | $5,676 | $5,419+4.7% | $6,710-15.4% | $3,608+57.3% |
| Admin fee / account holder | $535 | $5,957-91.0% | $10,265-94.8% | $5,124-89.6% |