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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 | $101,443 | $101,063+0.4% | $81,473+24.5% | $147,585-31.3% |
| Participation rate | 30.0% | 74.5%-44.5pp | 68.0%-38.0pp | 82.8%-52.8pp |
| Annual return | 16.79% | 32.41%-15.6pp | 38.78%-22.0pp | 578.58%-561.8pp |
| Employer contribution / active EE | $889 | $3,206-72.3% | $2,568-65.4% | $4,876-81.8% |
| Participant deferral / active EE | $3,750 | $4,242-11.6% | $3,537+6.0% | $5,439-31.1% |
| Admin fee / account holder | $470 | $5,812-91.9% | $4,561-89.7% | $10,886-95.7% |