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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 | $78,493 | $157,304-50.1% | $141,197-44.4% | $152,909-48.7% |
| Participation rate | 60.0% | 84.8%-24.8pp | 82.5%-22.5pp | 82.5%-22.5pp |
| Annual return | 24.00% | 64.34%-40.3pp | 71.41%-47.4pp | 345.46%-321.5pp |
| Employer contribution / active EE | $15,164 | $5,263+188.2% | $4,736+220.2% | $4,764+218.3% |
| Participant deferral / active EE | $6,030 | $7,111-15.2% | $6,710-10.1% | $5,851+3.1% |
| Admin fee / account holder | $8,895 | $12,126-26.6% | $10,265-13.3% | $11,601-23.3% |