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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 | $104,418 | $106,918-2.3% | $84,021+24.3% | $152,897-31.7% |
| Participation rate | 68.2% | 75.2%-7.1pp | 69.0%-0.8pp | 82.5%-14.3pp |
| Annual return | 23.47% | 105.01%-81.5pp | 71.32%-47.9pp | 345.43%-322.0pp |
| Employer contribution / active EE | $1,000 | $2,735-63.4% | $1,984-49.6% | $4,764-79.0% |
| Participant deferral / active EE | $2,476 | $4,012-38.3% | $3,239-23.6% | $5,851-57.7% |
| Admin fee / account holder | $14,904 | $8,288+79.8% | $6,102+144.3% | $11,599+28.5% |