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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 | $179,032 | $111,535+60.5% | $105,223+70.1% | $137,256+30.4% |
| Participation rate | 69.2% | 78.1%-8.9pp | 75.0%-5.8pp | 80.0%-10.7pp |
| Annual return | 20.24% | 237.85%-217.6pp | 180.65%-160.4pp | 220.34%-200.1pp |
| Employer contribution / active EE | $1,017 | $3,939-74.2% | $3,689-72.4% | $4,156-75.5% |
| Participant deferral / active EE | $5,053 | $5,500-8.1% | $5,072-0.4% | $6,407-21.1% |
| Admin fee / account holder | $1,306 | $9,721-86.6% | $8,859-85.3% | $12,270-89.4% |