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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 | $116,564 | $107,368+8.6% | $92,915+25.5% | $152,909-23.8% |
| Participation rate | 57.9% | 79.8%-21.9pp | 76.0%-18.1pp | 82.5%-24.6pp |
| Annual return | 21.46% | 145.64%-124.2pp | 109.45%-88.0pp | 345.46%-324.0pp |
| Employer contribution / active EE | $1,371 | $4,222-67.5% | $3,653-62.5% | $4,764-71.2% |
| Participant deferral / active EE | $4,599 | $4,848-5.1% | $4,238+8.5% | $5,851-21.4% |
| Admin fee / account holder | $12,576 | $7,082+77.6% | $5,796+117.0% | $11,601+8.4% |