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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 | $109,069 | $129,239-15.6% | $93,419+16.8% | $158,966-31.4% |
| Participation rate | 25.0% | 70.9%-45.9pp | 66.8%-41.8pp | 82.0%-57.0pp |
| Annual return | 22.16% | 118.21%-96.1pp | 78.05%-55.9pp | 302.95%-280.8pp |
| Employer contribution / active EE | $1,138 | $2,711-58.0% | $2,075-45.2% | $4,762-76.1% |
| Participant deferral / active EE | $6,300 | $3,909+61.2% | $3,126+101.6% | $5,983+5.3% |
| Admin fee / account holder | $5,077 | $7,383-31.2% | $5,230-2.9% | $11,250-54.9% |