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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 | $128,877 | $111,787+15.3% | $93,681+37.6% | $145,978-11.7% |
| Participation rate | 55.0% | 74.2%-19.2pp | 68.7%-13.7pp | 80.3%-25.3pp |
| Annual return | 11.41% | 203.52%-192.1pp | 133.47%-122.1pp | 550.52%-539.1pp |
| Employer contribution / active EE | $0 | $3,093-100.0% | $2,422-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $3,173 | $4,918-35.5% | $4,415-28.1% | $6,690-52.6% |
| Admin fee / account holder | $2,788 | $10,256-72.8% | $8,290-66.4% | $13,400-79.2% |