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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 | $90,489-12.8% | $76,051+3.8% | $145,978-45.9% |
| Participation rate | 37.5% | 74.5%-37.0pp | 69.1%-31.6pp | 80.3%-42.8pp |
| Annual return | 21.84% | 622.78%-600.9pp | 360.42%-338.6pp | 550.52%-528.7pp |
| Employer contribution / active EE | $1,223 | $3,319-63.2% | $2,690-54.5% | $4,662-73.8% |
| Participant deferral / active EE | $3,268 | $5,164-36.7% | $4,257-23.2% | $6,690-51.2% |
| Admin fee / account holder | $23,150 | $8,374+176.4% | $6,416+260.8% | $13,400+72.8% |