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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 | $113,647 | $111,787+1.7% | $93,681+21.3% | $145,978-22.1% |
| Participation rate | 66.7% | 74.2%-7.6pp | 68.7%-2.1pp | 80.3%-13.6pp |
| Annual return | 9.38% | 203.52%-194.1pp | 133.47%-124.1pp | 550.52%-541.1pp |
| Employer contribution / active EE | $1,354 | $3,093-56.2% | $2,422-44.1% | $4,662-70.9% |
| Participant deferral / active EE | $8,100 | $4,918+64.7% | $4,415+83.5% | $6,690+21.1% |
| Admin fee / account holder | $15,419 | $10,256+50.3% | $8,290+86.0% | $13,400+15.1% |