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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 | $66,228 | $63,346+4.5% | $92,240-28.2% | $70,126-5.6% |
| Participation rate | 34.6% | 68.7%-34.1pp | 76.5%-41.9pp | 69.5%-34.9pp |
| Annual return | 17.32% | 530.19%-512.9pp | 176.29%-159.0pp | 73.15%-55.8pp |
| Employer contribution / active EE | $1,184 | $2,471-52.1% | $3,680-67.8% | $2,343-49.5% |
| Participant deferral / active EE | $3,338 | $2,854+17.0% | $3,897-14.3% | $3,332+0.2% |
| Admin fee / account holder | $1,083 | $3,841-71.8% | $5,194-79.1% | $4,645-76.7% |