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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 | $102,385-12.8% | $147,080-39.3% | $80,935+10.3% |
| Participation rate | 64.0% | 75.9%-11.9pp | 82.2%-18.2pp | 67.7%-3.7pp |
| Annual return | 13.40% | 135.09%-121.7pp | 420.17%-406.8pp | 35.66%-22.3pp |
| Employer contribution / active EE | $6,245 | $3,717+68.0% | $4,933+26.6% | $2,757+126.5% |
| Participant deferral / active EE | $4,675 | $6,651-29.7% | $8,066-42.0% | $4,299+8.7% |
| Admin fee / account holder | $3,002 | $7,951-62.2% | $12,989-76.9% | $6,924-56.6% |