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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 | $92,377 | $86,298+7.0% | $111,308-17.0% | $85,847+7.6% |
| Participation rate | 36.0% | 73.3%-37.3pp | 77.3%-41.3pp | 69.3%-33.3pp |
| Annual return | 27.83% | 19.99%+7.8pp | 54.67%-26.8pp | 318.61%-290.8pp |
| Employer contribution / active EE | $1,417 | $2,044-30.7% | $2,732-48.1% | $2,565-44.8% |
| Participant deferral / active EE | $4,940 | $3,641+35.7% | $4,487+10.1% | $3,952+25.0% |
| Admin fee / account holder | $12,151 | $8,189+48.4% | $7,965+52.6% | $6,261+94.1% |