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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 | $88,366 | $63,346+39.5% | $92,240-4.2% | $70,126+26.0% |
| Participation rate | 34.8% | 68.7%-33.9pp | 76.5%-41.7pp | 69.5%-34.8pp |
| Annual return | 14.19% | 530.19%-516.0pp | 176.29%-162.1pp | 73.15%-59.0pp |
| Employer contribution / active EE | $1,220 | $2,471-50.6% | $3,680-66.8% | $2,343-47.9% |
| Participant deferral / active EE | $2,936 | $2,854+2.9% | $3,897-24.7% | $3,332-11.9% |
| Admin fee / account holder | $1,031 | $3,841-73.1% | $5,194-80.1% | $4,645-77.8% |