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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 | $94,861 | $106,923-11.3% | $84,023+12.9% | $152,909-38.0% |
| Participation rate | 52.4% | 75.3%-22.9pp | 69.0%-16.6pp | 82.5%-30.1pp |
| Annual return | 18.61% | 105.02%-86.4pp | 71.32%-52.7pp | 345.46%-326.9pp |
| Employer contribution / active EE | $1,232 | $2,735-55.0% | $1,984-37.9% | $4,764-74.1% |
| Participant deferral / active EE | $3,689 | $4,013-8.1% | $3,239+13.9% | $5,851-37.0% |
| Admin fee / account holder | $2,693 | $8,289-67.5% | $6,102-55.9% | $11,601-76.8% |