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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 | $142,870 | $155,833-8.3% | $124,693+14.6% | $167,536-14.7% |
| Participation rate | 44.4% | 81.1%-36.7pp | 74.6%-30.2pp | 82.1%-37.7pp |
| Annual return | 19.63% | 17.98%+1.7pp | 5144.19%-5124.6pp | 478.82%-459.2pp |
| Employer contribution / active EE | $1,342 | $4,164-67.8% | $3,324-59.6% | $4,839-72.3% |
| Participant deferral / active EE | $1,689 | $5,675-70.2% | $4,615-63.4% | $6,342-73.4% |
| Admin fee / account holder | $6,919 | $9,534-27.4% | $7,494-7.7% | $12,315-43.8% |