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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 | $109,480 | $102,422+6.9% | $147,117-25.6% | $80,959+35.2% |
| Participation rate | 44.6% | 75.9%-31.3pp | 82.2%-37.6pp | 67.7%-23.1pp |
| Annual return | 13.93% | 135.16%-121.2pp | 420.54%-406.6pp | 35.67%-21.7pp |
| Employer contribution / active EE | $2,392 | $3,717-35.7% | $4,932-51.5% | $2,757-13.3% |
| Participant deferral / active EE | $5,118 | $6,652-23.1% | $8,065-36.5% | $4,300+19.0% |
| Admin fee / account holder | $1,897 | $7,953-76.1% | $12,993-85.4% | $6,925-72.6% |