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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 | $105,381 | $99,652+5.7% | $78,778+33.8% | $147,586-28.6% |
| Participation rate | 57.1% | 76.2%-19.1pp | 69.2%-12.0pp | 82.8%-25.7pp |
| Annual return | 16.74% | 47.28%-30.5pp | 35.62%-18.9pp | 578.59%-561.8pp |
| Employer contribution / active EE | $0 | $2,796-100.0% | $1,986-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $5,444 | $3,664+48.6% | $2,958+84.0% | $5,439+0.1% |
| Admin fee / account holder | $698 | $7,155-90.2% | $5,134-86.4% | $10,886-93.6% |