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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 | $105,794 | $107,341-1.4% | $92,897+13.9% | $152,870-30.8% |
| Participation rate | 60.0% | 79.8%-19.8pp | 76.0%-16.0pp | 82.4%-22.4pp |
| Annual return | 20.64% | 145.59%-125.0pp | 109.42%-88.8pp | 345.34%-324.7pp |
| Employer contribution / active EE | $1,553 | $4,221-63.2% | $3,653-57.5% | $4,763-67.4% |
| Participant deferral / active EE | $5,121 | $4,847+5.6% | $4,238+20.8% | $5,850-12.5% |
| Admin fee / account holder | $3,382 | $7,080-52.2% | $5,794-41.6% | $11,597-70.8% |