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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 | $97,326 | $107,363-9.3% | $92,909+4.8% | $152,897-36.3% |
| Participation rate | 60.0% | 79.8%-19.8pp | 76.0%-16.0pp | 82.5%-22.5pp |
| Annual return | 18.18% | 145.63%-127.4pp | 109.44%-91.3pp | 345.43%-327.2pp |
| Employer contribution / active EE | $1,905 | $4,222-54.9% | $3,653-47.9% | $4,764-60.0% |
| Participant deferral / active EE | $3,615 | $4,848-25.4% | $4,238-14.7% | $5,851-38.2% |
| Admin fee / account holder | $2,054 | $7,082-71.0% | $5,795-64.6% | $11,599-82.3% |