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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 | $103,108 | $88,815+16.1% | $81,882+25.9% | $145,897-29.3% |
| Participation rate | 50.0% | 75.1%-25.1pp | 72.4%-22.4pp | 80.3%-30.3pp |
| Annual return | 11.93% | 1033.75%-1021.8pp | 779.47%-767.5pp | 552.29%-540.4pp |
| Employer contribution / active EE | $1,081 | $3,086-65.0% | $2,916-62.9% | $4,663-76.8% |
| Participant deferral / active EE | $2,603 | $4,647-44.0% | $4,323-39.8% | $6,689-61.1% |
| Admin fee / account holder | $17,958 | $8,434+112.9% | $7,360+144.0% | $13,390+34.1% |