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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 | $89,677 | $103,392-13.3% | $87,104+3.0% | $152,897-41.3% |
| Participation rate | 29.4% | 79.4%-49.9pp | 76.9%-47.5pp | 82.5%-53.0pp |
| Annual return | 44.75% | 28.10%+16.7pp | 28.19%+16.6pp | 345.43%-300.7pp |
| Employer contribution / active EE | $681 | $3,221-78.9% | $2,521-73.0% | $4,764-85.7% |
| Participant deferral / active EE | $1,751 | $4,778-63.4% | $4,048-56.7% | $5,851-70.1% |
| Admin fee / account holder | $697 | $12,194-94.3% | $7,491-90.7% | $11,599-94.0% |