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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 | $145,217 | $157,296-7.7% | $141,191+2.9% | $152,897-5.0% |
| Participation rate | 69.6% | 84.8%-15.3pp | 82.5%-12.9pp | 82.5%-12.9pp |
| Annual return | 22.04% | 64.34%-42.3pp | 71.41%-49.4pp | 345.43%-323.4pp |
| Employer contribution / active EE | $2,228 | $5,262-57.7% | $4,736-53.0% | $4,764-53.2% |
| Participant deferral / active EE | $4,442 | $7,111-37.5% | $6,710-33.8% | $5,851-24.1% |
| Admin fee / account holder | $5,770 | $12,125-52.4% | $10,264-43.8% | $11,599-50.3% |