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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 | $111,535+10.3% | $105,223+16.9% | $137,256-10.4% |
| Participation rate | 31.8% | 78.1%-46.3pp | 75.0%-43.2pp | 80.0%-48.1pp |
| Annual return | 13.73% | 237.85%-224.1pp | 180.65%-166.9pp | 220.34%-206.6pp |
| Employer contribution / active EE | $1,328 | $3,939-66.3% | $3,689-64.0% | $4,156-68.0% |
| Participant deferral / active EE | $3,790 | $5,500-31.1% | $5,072-25.3% | $6,407-40.8% |
| Admin fee / account holder | $1,119 | $9,721-88.5% | $8,859-87.4% | $12,270-90.9% |