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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 | $100,085 | $103,038-2.9% | $90,324+10.8% | $152,909-34.5% |
| Participation rate | 33.3% | 75.9%-42.5pp | 73.3%-39.9pp | 82.5%-49.1pp |
| Annual return | 21.44% | 95.25%-73.8pp | 78.15%-56.7pp | 345.46%-324.0pp |
| Employer contribution / active EE | $833 | $3,141-73.5% | $2,856-70.8% | $4,764-82.5% |
| Participant deferral / active EE | $1,140 | $4,282-73.4% | $3,885-70.7% | $5,851-80.5% |
| Admin fee / account holder | $2,543 | $6,177-58.8% | $5,356-52.5% | $11,601-78.1% |