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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 | $93,685 | $100,139-6.4% | $85,187+10.0% | $145,884-35.8% |
| Participation rate | 50.0% | 74.1%-24.1pp | 67.5%-17.5pp | 80.3%-30.3pp |
| Annual return | 12.75% | 84.15%-71.4pp | 66.67%-53.9pp | 551.85%-539.1pp |
| Employer contribution / active EE | $1,218 | $3,238-62.4% | $2,732-55.4% | $4,662-73.9% |
| Participant deferral / active EE | $3,252 | $5,296-38.6% | $4,525-28.1% | $6,690-51.4% |
| Admin fee / account holder | $1,091 | $7,262-85.0% | $6,162-82.3% | $13,392-91.9% |