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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 | $137,058 | $108,825+25.9% | $156,181-12.2% | $82,448+66.2% |
| Participation rate | 44.1% | 72.4%-28.2pp | 78.8%-34.7pp | 68.1%-24.0pp |
| Annual return | 93.10% | 20.59%+72.5pp | 64.87%+28.2pp | 41.64%+51.5pp |
| Employer contribution / active EE | $1,378 | $2,870-52.0% | $4,294-67.9% | $2,551-46.0% |
| Participant deferral / active EE | $2,250 | $4,577-50.9% | $6,132-63.3% | $4,139-45.7% |
| Admin fee / account holder | $22,182 | $9,341+137.5% | $14,586+52.1% | $7,234+206.6% |