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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 | $113,771 | $85,766+32.7% | $136,298-16.5% | $70,126+62.2% |
| Participation rate | 58.5% | 74.2%-15.6pp | 81.9%-23.4pp | 69.5%-11.0pp |
| Annual return | 17.13% | 31.46%-14.3pp | 5156.27%-5139.1pp | 73.15%-56.0pp |
| Employer contribution / active EE | $2,215 | $2,966-25.3% | $4,696-52.8% | $2,343-5.4% |
| Participant deferral / active EE | $3,634 | $5,051-28.1% | $6,247-41.8% | $3,332+9.1% |
| Admin fee / account holder | $1,182 | $5,421-78.2% | $9,244-87.2% | $4,645-74.6% |