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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 | $95,073 | $118,875-20.0% | $96,572-1.6% | $167,553-43.3% |
| Participation rate | 61.1% | 75.5%-14.4pp | 69.8%-8.7pp | 82.1%-21.0pp |
| Annual return | 13.71% | 50.50%-36.8pp | 37.79%-24.1pp | 478.89%-465.2pp |
| Employer contribution / active EE | $1,574 | $3,121-49.6% | $2,357-33.2% | $4,840-67.5% |
| Participant deferral / active EE | $2,242 | $4,617-51.4% | $3,850-41.7% | $6,343-64.6% |
| Admin fee / account holder | $7,833 | $8,070-2.9% | $6,183+26.7% | $12,316-36.4% |