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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 | $108,850 | $125,184-13.0% | $105,607+3.1% | $145,884-25.4% |
| Participation rate | 50.0% | 77.6%-27.6pp | 75.3%-25.3pp | 80.3%-30.3pp |
| Annual return | 13.44% | 225.00%-211.6pp | 116.11%-102.7pp | 551.85%-538.4pp |
| Employer contribution / active EE | $1,439 | $3,720-61.3% | $3,167-54.6% | $4,662-69.1% |
| Participant deferral / active EE | $9,178 | $5,714+60.6% | $5,011+83.1% | $6,690+37.2% |
| Admin fee / account holder | $31,265 | $17,133+82.5% | $10,958+185.3% | $13,392+133.5% |