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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 | $96,343 | $105,284-8.5% | $150,734-36.1% | $94,015+2.5% |
| Participation rate | 50.0% | 71.7%-21.7pp | 78.4%-28.4pp | 70.8%-20.8pp |
| Annual return | 20.89% | 15.67%+5.2pp | 600.81%-579.9pp | 17.84%+3.0pp |
| Employer contribution / active EE | $1,706 | $3,599-52.6% | $4,918-65.3% | $2,790-38.9% |
| Participant deferral / active EE | $3,000 | $4,274-29.8% | $5,610-46.5% | $4,249-29.4% |
| Admin fee / account holder | $1,440 | $9,839-85.4% | $14,905-90.3% | $8,951-83.9% |