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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 | $129,818 | $110,039+18.0% | $97,260+33.5% | $145,884-11.0% |
| Participation rate | 66.7% | 75.9%-9.3pp | 72.7%-6.0pp | 80.3%-13.6pp |
| Annual return | 16.60% | 244.44%-227.8pp | 75.54%-58.9pp | 551.85%-535.2pp |
| Employer contribution / active EE | $1,161 | $3,074-62.2% | $2,721-57.3% | $4,662-75.1% |
| Participant deferral / active EE | $2,109 | $4,674-54.9% | $4,262-50.5% | $6,690-68.5% |
| Admin fee / account holder | $13,123 | $6,204+111.5% | $5,640+132.7% | $13,392-2.0% |