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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 | $123,464 | $83,337+48.2% | $67,834+82.0% | $273,972-54.9% |
| Participation rate | 59.1% | 76.4%-17.3pp | 68.8%-9.7pp | 83.0%-23.9pp |
| Annual return | 9.94% | 259.45%-249.5pp | 138.47%-128.5pp | 41.46%-31.5pp |
| Employer contribution / active EE | $1,060 | $3,287-67.8% | $2,403-55.9% | $4,869-78.2% |
| Participant deferral / active EE | $5,810 | $4,088+42.1% | $3,160+83.9% | $5,287+9.9% |
| Admin fee / account holder | $3,580 | $6,752-47.0% | $4,622-22.6% | $10,133-64.7% |