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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 | $122,160 | $117,859+3.6% | $102,438+19.3% | $145,959-16.3% |
| Participation rate | 66.7% | 78.6%-11.9pp | 76.5%-9.8pp | 80.3%-13.6pp |
| Annual return | 10.44% | 31.72%-21.3pp | 29.37%-18.9pp | 561.95%-551.5pp |
| Employer contribution / active EE | $1,124 | $3,615-68.9% | $3,024-62.8% | $4,661-75.9% |
| Participant deferral / active EE | $2,198 | $5,732-61.7% | $5,054-56.5% | $6,689-67.1% |
| Admin fee / account holder | $13,211 | $13,318-0.8% | $9,448+39.8% | $13,398-1.4% |