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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 | $103,737 | $102,595+1.1% | $94,057+10.3% | $154,746-33.0% |
| Participation rate | 38.9% | 76.0%-37.1pp | 73.3%-34.5pp | 80.7%-41.8pp |
| Annual return | 18.52% | 583.42%-564.9pp | 480.62%-462.1pp | 172.34%-153.8pp |
| Employer contribution / active EE | $1,910 | $3,147-39.3% | $2,933-34.9% | $4,379-56.4% |
| Participant deferral / active EE | $4,995 | $5,118-2.4% | $4,709+6.1% | $6,730-25.8% |
| Admin fee / account holder | $646 | $7,736-91.7% | $7,244-91.1% | $14,365-95.5% |