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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 | $154,364 | $176,402-12.5% | $134,162+15.1% | $158,982-2.9% |
| Participation rate | 33.3% | 78.7%-45.4pp | 72.2%-38.9pp | 82.0%-48.6pp |
| Annual return | 12.75% | 63.66%-50.9pp | 36.35%-23.6pp | 302.99%-290.2pp |
| Employer contribution / active EE | $175 | $5,042-96.5% | $3,705-95.3% | $4,763-96.3% |
| Participant deferral / active EE | $843 | $4,093-79.4% | $3,500-75.9% | $5,983-85.9% |
| Admin fee / account holder | $4,511 | $8,719-48.3% | $6,685-32.5% | $11,252-59.9% |