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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 | $132,355 | $121,677+8.8% | $104,625+26.5% | $158,966-16.7% |
| Participation rate | 64.7% | 77.5%-12.8pp | 74.1%-9.4pp | 82.0%-17.3pp |
| Annual return | 10.74% | 465.58%-454.8pp | 340.60%-329.9pp | 302.95%-292.2pp |
| Employer contribution / active EE | $1,108 | $3,165-65.0% | $2,681-58.7% | $4,762-76.7% |
| Participant deferral / active EE | $1,824 | $4,175-56.3% | $3,738-51.2% | $5,983-69.5% |
| Admin fee / account holder | $999 | $7,777-87.1% | $6,465-84.5% | $11,250-91.1% |