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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 | $104,817 | $114,119-8.2% | $107,187-2.2% | $138,895-24.5% |
| Participation rate | 57.1% | 78.1%-20.9pp | 75.0%-17.9pp | 79.9%-22.8pp |
| Annual return | 18.88% | 273.21%-254.3pp | 204.55%-185.7pp | 145.39%-126.5pp |
| Employer contribution / active EE | $1,678 | $4,059-58.7% | $3,782-55.6% | $4,194-60.0% |
| Participant deferral / active EE | $8,695 | $5,538+57.0% | $5,096+70.6% | $6,396+35.9% |
| Admin fee / account holder | $2,149 | $10,024-78.6% | $9,162-76.5% | $12,562-82.9% |