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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 | $98,498 | $107,944-8.8% | $91,994+7.1% | $152,885-35.6% |
| Participation rate | 54.5% | 81.2%-26.6pp | 78.6%-24.1pp | 82.5%-27.9pp |
| Annual return | 18.15% | 89.26%-71.1pp | 69.03%-50.9pp | 345.39%-327.2pp |
| Employer contribution / active EE | $8,104 | $4,210+92.5% | $3,452+134.7% | $4,763+70.1% |
| Participant deferral / active EE | $4,732 | $6,365-25.7% | $5,923-20.1% | $5,851-19.1% |
| Admin fee / account holder | $761 | $10,521-92.8% | $7,743-90.2% | $11,598-93.4% |