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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 | $80,165 | $83,337-3.8% | $67,834+18.2% | $273,972-70.7% |
| Participation rate | 56.3% | 76.4%-20.2pp | 68.8%-12.5pp | 83.0%-26.8pp |
| Annual return | 37.77% | 259.45%-221.7pp | 138.47%-100.7pp | 41.46%-3.7pp |
| Employer contribution / active EE | $1,045 | $3,287-68.2% | $2,403-56.5% | $4,869-78.5% |
| Participant deferral / active EE | $3,753 | $4,088-8.2% | $3,160+18.8% | $5,287-29.0% |
| Admin fee / account holder | $447 | $6,752-93.4% | $4,622-90.3% | $10,133-95.6% |