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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 | $114,358 | $111,830+2.3% | $93,696+22.1% | $145,884-21.6% |
| Participation rate | 42.9% | 74.2%-31.4pp | 68.7%-25.9pp | 80.3%-37.4pp |
| Annual return | 10.43% | 204.08%-193.6pp | 133.74%-123.3pp | 551.85%-541.4pp |
| Employer contribution / active EE | $1,714 | $3,093-44.6% | $2,422-29.2% | $4,662-63.2% |
| Participant deferral / active EE | $2,519 | $4,920-48.8% | $4,417-43.0% | $6,690-62.3% |
| Admin fee / account holder | $9,502 | $10,249-7.3% | $8,287+14.7% | $13,392-29.0% |