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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 | $126,423 | $105,929+19.3% | $81,926+54.3% | $158,950-20.5% |
| Participation rate | 60.9% | 75.6%-14.7pp | 72.0%-11.1pp | 82.0%-21.1pp |
| Annual return | 20.07% | 38.19%-18.1pp | 29.49%-9.4pp | 302.91%-282.8pp |
| Employer contribution / active EE | $1,308 | $7,802-83.2% | $4,310-69.7% | $4,762-72.5% |
| Participant deferral / active EE | $3,249 | $13,007-75.0% | $7,108-54.3% | $5,983-45.7% |
| Admin fee / account holder | $2,607 | $8,492-69.3% | $5,159-49.5% | $11,248-76.8% |