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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 | $102,429+6.9% | $147,096-25.6% | $80,925+35.3% |
| Participation rate | 44.6% | 75.9%-31.3pp | 82.2%-37.6pp | 67.7%-23.1pp |
| Annual return | 13.93% | 135.02%-121.1pp | 419.75%-405.8pp | 35.65%-21.7pp |
| Employer contribution / active EE | $2,392 | $3,716-35.6% | $4,936-51.5% | $2,756-13.2% |
| Participant deferral / active EE | $5,118 | $6,649-23.0% | $8,071-36.6% | $4,299+19.1% |
| Admin fee / account holder | $1,897 | $7,957-76.2% | $13,005-85.4% | $6,940-72.7% |