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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 | $120,641 | $77,920+54.8% | $149,723-19.4% | $75,177+60.5% |
| Participation rate | 61.1% | 65.6%-4.5pp | 78.8%-17.7pp | 67.2%-6.1pp |
| Annual return | 15.09% | 31.72%-16.6pp | 134.50%-119.4pp | 160.75%-145.7pp |
| Employer contribution / active EE | $1,811 | $3,138-42.3% | $4,821-62.4% | $2,671-32.2% |
| Participant deferral / active EE | $5,249 | $3,411+53.9% | $5,682-7.6% | $4,126+27.2% |
| Admin fee / account holder | $553 | $5,951-90.7% | $13,215-95.8% | $5,651-90.2% |