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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 | $78,908 | $90,691-13.0% | $76,119+3.7% | $145,884-45.9% |
| Participation rate | 37.5% | 74.5%-37.0pp | 69.1%-31.6pp | 80.3%-42.8pp |
| Annual return | 21.84% | 624.52%-602.7pp | 361.25%-339.4pp | 551.85%-530.0pp |
| Employer contribution / active EE | $1,223 | $3,329-63.3% | $2,693-54.6% | $4,662-73.8% |
| Participant deferral / active EE | $3,268 | $5,167-36.8% | $4,259-23.3% | $6,690-51.2% |
| Admin fee / account holder | $23,150 | $8,383+176.2% | $6,421+260.5% | $13,392+72.9% |