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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 | $103,454 | $107,368-3.6% | $92,915+11.3% | $152,909-32.3% |
| Participation rate | 55.6% | 79.8%-24.2pp | 76.0%-20.4pp | 82.5%-26.9pp |
| Annual return | 23.59% | 145.64%-122.1pp | 109.45%-85.9pp | 345.46%-321.9pp |
| Employer contribution / active EE | $1,903 | $4,222-54.9% | $3,653-47.9% | $4,764-60.0% |
| Participant deferral / active EE | $5,613 | $4,848+15.8% | $4,238+32.4% | $5,851-4.1% |
| Admin fee / account holder | $4,833 | $7,082-31.8% | $5,796-16.6% | $11,601-58.3% |