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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 | $123,478+11.0% | $216,567-36.7% | $94,015+45.8% |
| Participation rate | 44.1% | 75.1%-31.0pp | 81.6%-37.5pp | 70.8%-26.7pp |
| Annual return | 93.10% | 23.61%+69.5pp | 12.94%+80.2pp | 17.84%+75.3pp |
| Employer contribution / active EE | $1,378 | $3,136-56.1% | $5,216-73.6% | $2,790-50.6% |
| Participant deferral / active EE | $2,250 | $4,556-50.6% | $6,191-63.7% | $4,249-47.1% |
| Admin fee / account holder | $22,182 | $12,753+73.9% | $21,981+0.9% | $8,951+147.8% |