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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 | $101,539+3.9% | $147,041-28.2% | $74,400+41.9% |
| Participation rate | 52.1% | 75.5%-23.5pp | 82.2%-30.1pp | 67.2%-15.1pp |
| Annual return | 13.11% | 8740.84%-8727.7pp | 419.21%-406.1pp | 1367.51%-1354.4pp |
| Employer contribution / active EE | $1,766 | $3,811-53.7% | $4,935-64.2% | $2,624-32.7% |
| Participant deferral / active EE | $3,709 | $7,304-49.2% | $8,071-54.0% | $4,348-14.7% |
| Admin fee / account holder | $6,358 | $1,749+263.5% | $13,006-51.1% | $1,944+227.1% |