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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 | $114,712+19.5% | $173,730-21.1% | $87,485+56.7% |
| Participation rate | 44.1% | 73.0%-28.9pp | 79.6%-35.5pp | 68.9%-24.8pp |
| Annual return | 93.10% | 20.18%+72.9pp | 19.96%+73.1pp | 26.06%+67.0pp |
| Employer contribution / active EE | $1,378 | $2,904-52.6% | $4,577-69.9% | $2,596-46.9% |
| Participant deferral / active EE | $2,250 | $4,642-51.5% | $6,326-64.4% | $4,274-47.4% |
| Admin fee / account holder | $22,182 | $10,210+117.3% | $17,523+26.6% | $7,775+185.3% |