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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 | $91,826 | $102,385-10.3% | $147,080-37.6% | $80,935+13.5% |
| Participation rate | 40.0% | 75.9%-35.9pp | 82.2%-42.2pp | 67.7%-27.7pp |
| Annual return | 17.39% | 135.09%-117.7pp | 420.17%-402.8pp | 35.66%-18.3pp |
| Employer contribution / active EE | $1,568 | $3,717-57.8% | $4,933-68.2% | $2,757-43.1% |
| Participant deferral / active EE | $5,502 | $6,651-17.3% | $8,066-31.8% | $4,299+28.0% |
| Admin fee / account holder | $1,561 | $7,951-80.4% | $12,989-88.0% | $6,924-77.5% |