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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 | $122,187 | $99,652+22.6% | $78,778+55.1% | $147,586-17.2% |
| Participation rate | 56.3% | 76.2%-20.0pp | 69.2%-12.9pp | 82.8%-26.6pp |
| Annual return | 13.94% | 47.28%-33.3pp | 35.62%-21.7pp | 578.59%-564.7pp |
| Employer contribution / active EE | $1,277 | $2,796-54.3% | $1,986-35.7% | $4,876-73.8% |
| Participant deferral / active EE | $3,947 | $3,664+7.7% | $2,958+33.4% | $5,439-27.4% |
| Admin fee / account holder | $18,430 | $7,155+157.6% | $5,134+259.0% | $10,886+69.3% |