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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 | $140,976 | $115,810+21.7% | $101,271+39.2% | $158,966-11.3% |
| Participation rate | 60.0% | 79.4%-19.4pp | 75.8%-15.8pp | 82.0%-22.0pp |
| Annual return | 21.77% | 56.15%-34.4pp | 46.48%-24.7pp | 302.95%-281.2pp |
| Employer contribution / active EE | $1,894 | $4,175-54.6% | $3,660-48.3% | $4,762-60.2% |
| Participant deferral / active EE | $5,378 | $4,958+8.5% | $4,371+23.0% | $5,983-10.1% |
| Admin fee / account holder | $763 | $7,248-89.5% | $5,948-87.2% | $11,250-93.2% |