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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 | $94,908 | $102,422-7.3% | $147,117-35.5% | $80,959+17.2% |
| Participation rate | 51.2% | 75.9%-24.7pp | 82.2%-31.0pp | 67.7%-16.5pp |
| Annual return | 14.82% | 135.16%-120.3pp | 420.54%-405.7pp | 35.67%-20.9pp |
| Employer contribution / active EE | $1,901 | $3,717-48.9% | $4,932-61.5% | $2,757-31.1% |
| Participant deferral / active EE | $4,262 | $6,652-35.9% | $8,065-47.1% | $4,300-0.9% |
| Admin fee / account holder | $7,168 | $7,953-9.9% | $12,993-44.8% | $6,925+3.5% |