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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 | $93,699 | $157,276-40.4% | $141,177-33.6% | $152,885-38.7% |
| Participation rate | 50.0% | 84.8%-34.8pp | 82.5%-32.5pp | 82.5%-32.5pp |
| Annual return | 20.09% | 64.33%-44.2pp | 71.40%-51.3pp | 345.39%-325.3pp |
| Employer contribution / active EE | $1,253 | $5,262-76.2% | $4,736-73.6% | $4,763-73.7% |
| Participant deferral / active EE | $4,520 | $7,110-36.4% | $6,710-32.6% | $5,851-22.7% |
| Admin fee / account holder | $15,174 | $12,123+25.2% | $10,263+47.9% | $11,598+30.8% |