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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 | $93,761 | $102,422-8.5% | $147,117-36.3% | $80,959+15.8% |
| Participation rate | 63.9% | 75.9%-11.9pp | 82.2%-18.2pp | 67.7%-3.7pp |
| Annual return | 16.59% | 135.16%-118.6pp | 420.54%-403.9pp | 35.67%-19.1pp |
| Employer contribution / active EE | $3,125 | $3,717-15.9% | $4,932-36.6% | $2,757+13.3% |
| Participant deferral / active EE | $6,941 | $6,652+4.3% | $8,065-13.9% | $4,300+61.4% |
| Admin fee / account holder | $8,533 | $7,953+7.3% | $12,993-34.3% | $6,925+23.2% |