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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 | $106,834 | $53,063+101.3% | $124,206-14.0% | $82,637+29.3% |
| Participation rate | 53.8% | 58.4%-4.6pp | 69.6%-15.7pp | 68.1%-14.2pp |
| Annual return | 17.56% | 68.87%-51.3pp | 515.27%-497.7pp | 53.51%-35.9pp |
| Employer contribution / active EE | $919 | $1,530-39.9% | $3,540-74.0% | $2,552-64.0% |
| Participant deferral / active EE | $2,742 | $2,644+3.7% | $3,968-30.9% | $4,126-33.5% |
| Admin fee / account holder | $2,505 | $4,281-41.5% | $5,929-57.8% | $7,339-65.9% |