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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 | $83,300 | $107,030-22.2% | $73,550+13.3% | $147,586-43.6% |
| Participation rate | 33.3% | 66.4%-33.0pp | 54.9%-21.6pp | 82.8%-49.5pp |
| Annual return | 1.53% | 38.25%-36.7pp | -15.16%+16.7pp | 578.59%-577.1pp |
| Employer contribution / active EE | $6,999 | $1,760+297.6% | $1,219+474.1% | $4,876+43.5% |
| Participant deferral / active EE | $4,301 | $2,458+75.0% | $1,804+138.4% | $5,439-20.9% |
| Admin fee / account holder | $1,503 | $3,055-50.8% | $2,320-35.2% | $10,886-86.2% |