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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 | $129,737+38.0% | $119,126+50.3% | $154,746+15.7% |
| Participation rate | 69.2% | 78.9%-9.6pp | 75.8%-6.5pp | 80.7%-11.5pp |
| Annual return | 20.24% | 379.08%-358.8pp | 282.11%-261.9pp | 172.34%-152.1pp |
| Employer contribution / active EE | $1,017 | $4,375-76.8% | $4,034-74.8% | $4,379-76.8% |
| Participant deferral / active EE | $5,053 | $5,842-13.5% | $5,318-5.0% | $6,730-24.9% |
| Admin fee / account holder | $1,306 | $11,961-89.1% | $10,693-87.8% | $14,365-90.9% |