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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 | $113,667 | $105,198+8.1% | $159,455-28.7% | $85,856+32.4% |
| Participation rate | 49.1% | 75.8%-26.7pp | 82.8%-33.7pp | 69.3%-20.2pp |
| Annual return | 13.55% | 45.08%-31.5pp | 263.63%-250.1pp | 318.58%-305.0pp |
| Employer contribution / active EE | $1,195 | $3,319-64.0% | $4,830-75.3% | $2,565-53.4% |
| Participant deferral / active EE | $3,062 | $5,946-48.5% | $7,353-58.4% | $3,952-22.5% |
| Admin fee / account holder | $3,936 | $6,934-43.2% | $10,800-63.6% | $6,261-37.1% |