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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 | $117,895+3.6% | $102,460+19.2% | $145,897-16.3% |
| Participation rate | 66.7% | 78.6%-12.0pp | 76.5%-9.8pp | 80.3%-13.6pp |
| Annual return | 10.44% | 31.92%-21.5pp | 29.47%-19.0pp | 552.29%-541.8pp |
| Employer contribution / active EE | $1,124 | $3,619-68.9% | $3,025-62.9% | $4,663-75.9% |
| Participant deferral / active EE | $2,198 | $5,736-61.7% | $5,056-56.5% | $6,689-67.1% |
| Admin fee / account holder | $13,211 | $13,353-1.1% | $9,460+39.6% | $13,390-1.3% |