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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 | $117,008 | $160,070-26.9% | $147,117-20.5% | $145,897-19.8% |
| Participation rate | 33.3% | 84.0%-50.7pp | 82.2%-48.9pp | 80.3%-47.0pp |
| Annual return | 10.98% | 98.69%-87.7pp | 420.54%-409.6pp | 552.29%-541.3pp |
| Employer contribution / active EE | $1,716 | $5,285-67.5% | $4,932-65.2% | $4,663-63.2% |
| Participant deferral / active EE | $4,189 | $8,419-50.2% | $8,065-48.1% | $6,689-37.4% |
| Admin fee / account holder | $125,870 | $15,035+737.2% | $12,993+868.8% | $13,390+840.0% |