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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 | $100,861 | $98,766+2.1% | $149,730-32.6% | $79,852+26.3% |
| Participation rate | 69.8% | 75.8%-6.0pp | 82.5%-12.7pp | 69.6%+0.1pp |
| Annual return | 13.20% | 27.43%-14.2pp | 276.70%-263.5pp | 31.72%-18.5pp |
| Employer contribution / active EE | $1,056 | $3,217-67.2% | $4,645-77.3% | $2,471-57.3% |
| Participant deferral / active EE | $3,248 | $5,681-42.8% | $6,843-52.5% | $3,740-13.2% |
| Admin fee / account holder | $11,933 | $6,052+97.2% | $9,310+28.2% | $5,306+124.9% |