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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 | $146,166 | $102,422+42.7% | $147,117-0.6% | $80,959+80.5% |
| Participation rate | 53.8% | 75.9%-22.0pp | 82.2%-28.3pp | 67.7%-13.8pp |
| Annual return | 15.62% | 135.16%-119.5pp | 420.54%-404.9pp | 35.67%-20.1pp |
| Employer contribution / active EE | $3,012 | $3,717-19.0% | $4,932-38.9% | $2,757+9.3% |
| Participant deferral / active EE | $4,915 | $6,652-26.1% | $8,065-39.1% | $4,300+14.3% |
| Admin fee / account holder | $5,291 | $7,953-33.5% | $12,993-59.3% | $6,925-23.6% |