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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 | $129,322 | $103,038+25.5% | $90,324+43.2% | $152,909-15.4% |
| Participation rate | 57.1% | 75.9%-18.7pp | 73.3%-16.1pp | 82.5%-25.3pp |
| Annual return | 20.56% | 95.25%-74.7pp | 78.15%-57.6pp | 345.46%-324.9pp |
| Employer contribution / active EE | $1,893 | $3,141-39.7% | $2,856-33.7% | $4,764-60.3% |
| Participant deferral / active EE | $4,379 | $4,282+2.3% | $3,885+12.7% | $5,851-25.2% |
| Admin fee / account holder | $27,581 | $6,177+346.5% | $5,356+415.0% | $11,601+137.8% |