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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 | $94,651 | $103,038-8.1% | $90,324+4.8% | $152,909-38.1% |
| Participation rate | 61.5% | 75.9%-14.3pp | 73.3%-11.7pp | 82.5%-20.9pp |
| Annual return | 21.40% | 95.25%-73.8pp | 78.15%-56.7pp | 345.46%-324.1pp |
| Employer contribution / active EE | $1,007 | $3,141-67.9% | $2,856-64.7% | $4,764-78.9% |
| Participant deferral / active EE | $3,841 | $4,282-10.3% | $3,885-1.1% | $5,851-34.4% |
| Admin fee / account holder | $9,534 | $6,177+54.3% | $5,356+78.0% | $11,601-17.8% |