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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 | $148,234 | $176,794-16.2% | $146,647+1.1% | $167,553-11.5% |
| Participation rate | 52.6% | 83.6%-31.0pp | 80.1%-27.4pp | 82.1%-29.5pp |
| Annual return | 45.34% | 24.04%+21.3pp | 22.75%+22.6pp | 478.89%-433.6pp |
| Employer contribution / active EE | $1,512 | $5,161-70.7% | $4,137-63.5% | $4,840-68.8% |
| Participant deferral / active EE | $3,135 | $6,440-51.3% | $5,506-43.1% | $6,343-50.6% |
| Admin fee / account holder | $5,744 | $13,262-56.7% | $10,281-44.1% | $12,316-53.4% |