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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 | $111,291 | $107,368+3.7% | $92,915+19.8% | $152,909-27.2% |
| Participation rate | 57.1% | 79.8%-22.6pp | 76.0%-18.9pp | 82.5%-25.3pp |
| Annual return | 21.89% | 145.64%-123.7pp | 109.45%-87.6pp | 345.46%-323.6pp |
| Employer contribution / active EE | $1,647 | $4,222-61.0% | $3,653-54.9% | $4,764-65.4% |
| Participant deferral / active EE | $3,887 | $4,848-19.8% | $4,238-8.3% | $5,851-33.6% |
| Admin fee / account holder | $2,147 | $7,082-69.7% | $5,796-62.9% | $11,601-81.5% |