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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 | $111,024 | $107,368+3.4% | $92,915+19.5% | $152,909-27.4% |
| Participation rate | 66.7% | 79.8%-13.1pp | 76.0%-9.3pp | 82.5%-15.8pp |
| Annual return | 22.08% | 145.64%-123.6pp | 109.45%-87.4pp | 345.46%-323.4pp |
| Employer contribution / active EE | $1,683 | $4,222-60.1% | $3,653-53.9% | $4,764-64.7% |
| Participant deferral / active EE | $4,337 | $4,848-10.5% | $4,238+2.3% | $5,851-25.9% |
| Admin fee / account holder | $14,287 | $7,082+101.7% | $5,796+146.5% | $11,601+23.2% |