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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 | $105,545 | $101,591+3.9% | $147,096-28.2% | $74,429+41.8% |
| Participation rate | 52.1% | 75.5%-23.5pp | 82.2%-30.1pp | 67.2%-15.1pp |
| Annual return | 13.11% | 8746.45%-8733.3pp | 419.75%-406.6pp | 1368.38%-1355.3pp |
| Employer contribution / active EE | $1,766 | $3,813-53.7% | $4,936-64.2% | $2,625-32.7% |
| Participant deferral / active EE | $3,709 | $7,302-49.2% | $8,071-54.0% | $4,348-14.7% |
| Admin fee / account holder | $6,358 | $1,750+263.3% | $13,005-51.1% | $1,944+227.0% |