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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 | $120,391 | $93,345+29.0% | $119,126+1.1% | $87,485+37.6% |
| Participation rate | 37.5% | 68.7%-31.2pp | 75.8%-38.3pp | 68.9%-31.4pp |
| Annual return | 16.04% | 19.08%-3.0pp | 282.11%-266.1pp | 26.06%-10.0pp |
| Employer contribution / active EE | $900 | $3,172-71.6% | $4,034-77.7% | $2,596-65.3% |
| Participant deferral / active EE | $2,004 | $4,099-51.1% | $5,318-62.3% | $4,274-53.1% |
| Admin fee / account holder | $5,028 | $8,039-37.5% | $10,693-53.0% | $7,775-35.3% |