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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 | $113,446 | $64,324+76.4% | $118,914-4.6% | $79,856+42.1% |
| Participation rate | 26.9% | 64.9%-37.9pp | 75.4%-48.5pp | 69.6%-42.7pp |
| Annual return | 25.63% | 86.45%-60.8pp | 35.89%-10.3pp | 31.71%-6.1pp |
| Employer contribution / active EE | $870 | $1,836-52.6% | $3,264-73.3% | $2,471-64.8% |
| Participant deferral / active EE | $1,958 | $2,824-30.7% | $4,266-54.1% | $3,741-47.7% |
| Admin fee / account holder | $1,375 | $4,040-66.0% | $6,582-79.1% | $5,306-74.1% |