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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 | $89,286 | $102,429-12.8% | $147,096-39.3% | $80,925+10.3% |
| Participation rate | 64.0% | 75.9%-11.9pp | 82.2%-18.2pp | 67.7%-3.7pp |
| Annual return | 13.40% | 135.02%-121.6pp | 419.75%-406.4pp | 35.65%-22.3pp |
| Employer contribution / active EE | $6,245 | $3,716+68.1% | $4,936+26.5% | $2,756+126.6% |
| Participant deferral / active EE | $4,675 | $6,649-29.7% | $8,071-42.1% | $4,299+8.8% |
| Admin fee / account holder | $3,002 | $7,957-62.3% | $13,005-76.9% | $6,940-56.7% |