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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 | $107,412 | $91,536+17.3% | $130,062-17.4% | $75,177+42.9% |
| Participation rate | 57.1% | 71.5%-14.3pp | 78.5%-21.4pp | 67.2%-10.1pp |
| Annual return | 15.95% | -631.62%+647.6pp | -137.37%+153.3pp | 160.75%-144.8pp |
| Employer contribution / active EE | $1,165 | $2,845-59.0% | $4,322-73.0% | $2,671-56.4% |
| Participant deferral / active EE | $3,538 | $4,343-18.5% | $5,821-39.2% | $4,126-14.2% |
| Admin fee / account holder | $16,977 | $6,780+150.4% | $10,601+60.1% | $5,651+200.4% |