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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 | $142,024 | $166,242-14.6% | $165,071-14.0% | $145,884-2.6% |
| Participation rate | 66.7% | 82.0%-15.4pp | 78.6%-12.0pp | 80.3%-13.6pp |
| Annual return | 13.89% | 100.44%-86.5pp | 70.17%-56.3pp | 551.85%-538.0pp |
| Employer contribution / active EE | $1,739 | $5,283-67.1% | $4,347-60.0% | $4,662-62.7% |
| Participant deferral / active EE | $2,334 | $6,964-66.5% | $6,035-61.3% | $6,690-65.1% |
| Admin fee / account holder | $24,606 | $16,658+47.7% | $12,695+93.8% | $13,392+83.7% |