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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 | $90,989 | $98,240-7.4% | $82,312+10.5% | $147,586-38.3% |
| Participation rate | 66.7% | 79.7%-13.1pp | 76.9%-10.2pp | 82.8%-16.2pp |
| Annual return | 19.27% | 30.85%-11.6pp | 25.88%-6.6pp | 578.59%-559.3pp |
| Employer contribution / active EE | $1,779 | $3,192-44.3% | $2,428-26.7% | $4,876-63.5% |
| Participant deferral / active EE | $3,982 | $4,383-9.2% | $3,706+7.4% | $5,439-26.8% |
| Admin fee / account holder | $17,476 | $8,563+104.1% | $5,608+211.6% | $10,886+60.5% |