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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 | $115,704 | $67,823+70.6% | $52,425+120.7% | $137,256-15.7% |
| Participation rate | 50.0% | 63.9%-13.9pp | 55.6%-5.6pp | 80.0%-30.0pp |
| Annual return | 13.68% | 219.11%-205.4pp | 302.12%-288.4pp | 220.34%-206.7pp |
| Employer contribution / active EE | $1,017 | $1,163-12.5% | $914+11.3% | $4,156-75.5% |
| Participant deferral / active EE | $6,622 | $2,288+189.4% | $1,790+269.8% | $6,407+3.4% |
| Admin fee / account holder | $4,096 | $2,844+44.0% | $2,495+64.2% | $12,270-66.6% |