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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 | $131,226 | $100,073+31.1% | $85,126+54.2% | $145,877-10.0% |
| Participation rate | 57.1% | 74.1%-17.0pp | 67.5%-10.4pp | 80.3%-23.2pp |
| Annual return | 9.32% | 84.11%-74.8pp | 66.63%-57.3pp | 551.28%-542.0pp |
| Employer contribution / active EE | $1,403 | $3,236-56.7% | $2,731-48.6% | $4,663-69.9% |
| Participant deferral / active EE | $5,509 | $5,294+4.0% | $4,523+21.8% | $6,691-17.7% |
| Admin fee / account holder | $51,451 | $7,261+608.6% | $6,160+735.2% | $13,402+283.9% |