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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 | $91,969 | $105,200-12.6% | $159,474-42.3% | $85,847+7.1% |
| Participation rate | 48.6% | 75.8%-27.1pp | 82.8%-34.2pp | 69.3%-20.7pp |
| Annual return | 13.04% | 45.08%-32.0pp | 263.68%-250.6pp | 318.61%-305.6pp |
| Employer contribution / active EE | $957 | $3,319-71.2% | $4,831-80.2% | $2,565-62.7% |
| Participant deferral / active EE | $3,695 | $5,946-37.9% | $7,353-49.8% | $3,952-6.5% |
| Admin fee / account holder | $19,311 | $6,934+178.5% | $10,802+78.8% | $6,261+208.4% |