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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 | $88,754+16.2% | $81,820+26.0% | $145,877-29.3% |
| Participation rate | 50.0% | 75.1%-25.1pp | 72.4%-22.4pp | 80.3%-30.3pp |
| Annual return | 11.93% | 1031.77%-1019.8pp | 777.93%-766.0pp | 551.28%-539.4pp |
| Employer contribution / active EE | $1,081 | $3,085-64.9% | $2,915-62.9% | $4,663-76.8% |
| Participant deferral / active EE | $2,603 | $4,648-44.0% | $4,323-39.8% | $6,691-61.1% |
| Admin fee / account holder | $17,958 | $8,424+113.2% | $7,391+143.0% | $13,402+34.0% |