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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 | $94,409 | $106,923-11.7% | $84,023+12.4% | $152,909-38.3% |
| Participation rate | 45.5% | 75.3%-29.8pp | 69.0%-23.6pp | 82.5%-37.0pp |
| Annual return | 25.08% | 105.02%-79.9pp | 71.32%-46.2pp | 345.46%-320.4pp |
| Employer contribution / active EE | $2,174 | $2,735-20.5% | $1,984+9.6% | $4,764-54.4% |
| Participant deferral / active EE | $4,806 | $4,013+19.8% | $3,239+48.4% | $5,851-17.9% |
| Admin fee / account holder | $513 | $8,289-93.8% | $6,102-91.6% | $11,601-95.6% |