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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 | $123,021 | $129,737-5.2% | $119,126+3.3% | $154,746-20.5% |
| Participation rate | 31.8% | 78.9%-47.0pp | 75.8%-43.9pp | 80.7%-48.9pp |
| Annual return | 13.73% | 379.08%-365.4pp | 282.11%-268.4pp | 172.34%-158.6pp |
| Employer contribution / active EE | $1,328 | $4,375-69.6% | $4,034-67.1% | $4,379-69.7% |
| Participant deferral / active EE | $3,790 | $5,842-35.1% | $5,318-28.7% | $6,730-43.7% |
| Admin fee / account holder | $1,119 | $11,961-90.6% | $10,693-89.5% | $14,365-92.2% |