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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 | $100,550 | $115,814-13.2% | $101,275-0.7% | $158,982-36.8% |
| Participation rate | 60.0% | 79.4%-19.4pp | 75.8%-15.8pp | 82.0%-22.0pp |
| Annual return | 28.05% | 56.16%-28.1pp | 46.48%-18.4pp | 302.99%-274.9pp |
| Employer contribution / active EE | $11,625 | $4,176+178.4% | $3,660+217.6% | $4,763+144.1% |
| Participant deferral / active EE | $13,305 | $4,958+168.3% | $4,371+204.4% | $5,983+122.4% |
| Admin fee / account holder | $483 | $7,249-93.3% | $5,948-91.9% | $11,252-95.7% |