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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 | $92,516 | $61,125+51.4% | $94,057-1.6% | $87,485+5.8% |
| Participation rate | 39.8% | 64.1%-24.3pp | 73.3%-33.5pp | 68.9%-29.1pp |
| Annual return | 14.35% | 35.20%-20.8pp | 480.62%-466.3pp | 26.06%-11.7pp |
| Employer contribution / active EE | $1,130 | $2,136-47.1% | $2,933-61.5% | $2,596-56.5% |
| Participant deferral / active EE | $2,368 | $3,260-27.4% | $4,709-49.7% | $4,274-44.6% |
| Admin fee / account holder | $6,881 | $5,629+22.3% | $7,244-5.0% | $7,775-11.5% |